The daily rate of interest on your purchase is determined by dividing your card’s APR by 365 to find the daily rate of interest and then multiplying that number by your balance. Don't let the fear of high-interest rate seeps into your soul as Citibank offers 0% interest throughout the tenure. Borrowers can repay the loan amount within a maximum of 60 months. Great for those who need a lengthy 0% intro APR offer to pay off other card balances or finance a major purchase. This card extends 0% APR for purchases, with the APR increasing to the regular APR after 15 months. Rewards: Earn 1.25 miles for each dollar you spend. Credit Cards Like many other credit card issuers, Citibank has curated a wide selection of credit cards that boast 0% intro APR, cash back rewards, points and miles. Balance transfers work by allowing you to transfer your existing debt to the new card with the added benefit of 0% interest financing, so you’re no longer being charged interest fees for the duration of the promotional period. Bonus Offer: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value. 0% APR Offer: Qualify for 0% APR on purchases for 15 months followed by a variable APR based on your creditworthiness. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%. Another obvious downside is the fact that this card doesn’t offer any rewards for purchases. Second Stimulus Check Calculator: How Much Will You Receive? A balance transfer fee of 5% (minimum $10) applies. This compensation comes from two main sources. If you're weighed down by credit card debt, a balance transfer is a smart way to get a break on interest rates. Chase Slate® Information about the Chase Slate® has been collected independently by CNBC and … If you’re seeking the best no interest offer on a balance transfer card, consider both the length of time and the amount it will cost if there’s a balance transfer fee. LEARN MORE. Account Type: Savings Account What Exactly Can Be Taken From You In A Lawsuit? Credit card balance transfers work to reduce interest payments as you drive down your overall credit card debt. Benefits and Drawbacks: Being able to avoid interest on purchases and balance transfers for 18 billing cycles could be a huge boon for your finances. Open a bank account from Citi checking and savings accounts and CDs, to banking IRAs. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. You’ll also benefit from an introductory 0% APR on purchases for more than a year, making this a solid card for a large purchase or debt consolidation. The Bank Americard® credit card is another credit card that extends 0% APR to purchases and balance transfers made within a specific length of time. Also, note the 3% balance transfer fee (minimum $5) that applies and is only available for the first 120 days. Open to minimum spend amount of AED 200 or more done with primary credit cards. Thanks Jess96 Card Features: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. 12.99% - 22.99% Variable APR on purchases and balance transfers, 14.74% - 24.74% (Variable) APR on purchases and balance transfers, Good/Excellent (700 - 749), 14.99% - 23.74% Variable APR on purchases and balance transfers, 12.99% - 23.99% Variable APR on purchases, Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership, 14.49% - 24.99% Variable APR on purchases and balance transfers, 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value, Best for Rewards with 0% APR on Purchases, Best Amex Card with No Balance Transfer Fee, Capital One VentureOne Rewards Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Wells Fargo Propel American Express® Card, Forbes adheres to strict editorial integrity standards. These are provided as guidelines only and approval is not guaranteed. The less you’re paying in interest, the more you can put towards paying off your debt. The daily rate of interest on your purchase is determined by dividing your card’s APR—in this example 20%— by 365 to find the daily rate of interest and then multiplying that number by your balance. Unlike a few other cards that extend 0% APR for purchases and balance transfers for a similar length of time, the Bank Americard® credit card doesn’t let you earn points or cash back on your purchases. Credit Score ranges are based on FICO® credit scoring. The Citi Diamond Preferred card is an elite 0% APR credit card for people with excellent credit, offering introductory interest rates of 0% for 18 months on new purchases and 0% for 18 months on balance transfers. We also love the 20% bonus rewards you can earn when you use this card for at least 20 purchases each billing period, making it a good choice for an everyday card. Citibank Savings 0.50% Rate To earn Citibank’s competitive rate, simply have a balance of $500. Card attributes given priority include the length of 0% APR offers, rewards programs and credit card fees. How Many Credit Cards Should You Have (And Why I Have Nine)? Citibank offers personal loans interest rates that ranges between 10.50% to 17.99% p.a. Account Type: Savings Account; Interest Rate: 0.50% APY Benefits and Drawbacks: This card’s earning rates are exceptional, and that’s especially true when you consider how many categories you can rack up 3x points in. Loans for homes, Investments and more - Citibank understands that at different stages, you need different types of loan products and features to complement both your financial goals 3% fee on all balance transfers ($10 min), Earn 2X Membership Rewards® points at US supermarkets on up to $6,000 per year (then, Regular APR can be high, depending on your credit. Easy Installment Plans can also be availed at reducing balance rate up to 35.88% per annum for up to 48 months The above instruction will be processed at 0% interest and no … 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. Earn 2% on purchases with 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Previously, she covered credit cards and related content at other national web publications including NerdWallet, Bankrate and HerMoney. It’s free, even if you are not a Chase customer. The major downside to this card is the fact that 15 months isn’t as long as some other cards on this list provide that 0% APR. This card also comes with $0 annual fee and None foreign transaction fees, making it a smart rewards card to keep for the long haul. 0% interest with no handling fee. Rewards: Earn 3 points per dollar spent on dining, gas stations, rideshares, transit, flights, hotels, homestays, car rentals, and popular streaming services plus 1 point per dollar spent on other purchases. Having so much time to pay off a balance transfer without interest can certainly help a lot of people pay off their debt. Do You Have an Existing Balance from Another Bank? full review of the BankAmericard credit card here, pay off all or most of your debt without any interest, Platinum Card From American Express Review. Citibank Savings 0.50% Rate. The only real downsides of this card include the fact you’ll only qualify for 0% APR for 12 months, and that this offer only extends to purchases (and not balance transfers). Website, Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. An intro APR is typically either a 0% or ultra-low APR offer that applies for a limited period of time. Note, however, that 0% APR credit cards don’t all work the same way. A purchase interest charge is the amount you’ll pay in interest for anything you buy on your credit card. Transfer high-interest balances from your other cards to the Citi® Diamond Preferred® Card and take some time to enjoy a low-interest lifestyle. 0% APR Offer: Qualify for 0% Intro APR for 18 months on balance transfers when transfers are completed within 4 months of account opening and for 18 months on purchases from date of account opening, followed by a variable APR based on your creditworthiness. Now, it offers 0% for 18 months on balance transfers. Choose an exciting 0% intro APR credit card that rewards you for everyday purchases. Forbes considered dozens of 0% APR credit cards from major issuers to come up with this list of the absolute best. Other account pricing and terms apply, Access your FICO® Score for free within Online Banking or your Mobile Banking app, No Late Fees, No Penalty Rate, and No Annual Fee… Ever, 0% Intro APR on balance transfers for 18 months from date of first transfer. There are also longer 0% APR timelines available from other cards, and these could be more beneficial if you have a lot of debt to pay down, even after taking into consideration balance transfer fees. Rates & Fees. While credit cards are known for charging higher interest rates than many other financial products, one type of card can actually help you save money on interest. Checking your score does not affect your credit, Purchase Protection: Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account, Fraud alerts: In the case of unusual activity, Chase can notify you by phone, text or email, We help safeguard your account using sophisticated Real-Time Fraud Monitoring, Flexible rewards program with a wide variety of redemption categories, Earn 2X Membership Rewards® points at US supermarkets on up to $6,000 per year in purchases (then 1X), Earn 2X Membership Rewards® points when you use your Card to book your trip through AmexTravel.com, Earn 1 Membership Rewards® point for every eligible dollar you spend on everything else, You can use Membership Rewards® points towards eligible charges you make on your Card, such as retail, dining, entertainment and more, Payment Flexibility: Your Card gives you the option to carry a balance with interest or pay in full each month, Use your Card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases, Option to transfer points to other Wells Fargo cards, 3x points reward rate on several spending categories, Low 1x points reward rate on non-bonus categories, No bonus points reward rate for groceries, Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value, $0 annual fee and no foreign currency conversion fee, Earn 3X points on eating out and ordering in, Earn 3X points on flights, hotels, homestays and car rentals, Earn 3X points on gas stations, rideshares and transit, Earn 3X points on popular streaming services. You can read our full review of the BankAmericard credit card here. You should also look beyond the interest-free period and see if there’s value to you in the card when the promotional offer expires. The lender allows individuals to borrow up to Rs.30 lakh. best no interest offer on a balance transfer card. This card lets you save money with 0% APR for a limited time, after which the APR will increase to a variable rate based on your creditworthiness. % Intro APR for months. Balance transfer credit cards, which are also called 0% APR credit cards, typically let you avoid interest altogether for anywhere from 9 to 21 months. Add in no annual fee, no late fees, and no penalty interest rates to make balancing your finances simple.1. If you are looking to pay off debt faster or avoid the cycle of interest rate fees on upcoming purchases, the Citi® Diamond Preferred® Card offers a 0% intro APR for 18 months on both purchases and balance transfers. Diamond Preferred also has a $0 annual fee, to go … full review of the Chase Freedom Flex card here. No minimum to redeem for cash back. Spend now and pay in 0%-interest installments with Citi Credit Cards! Rewards: Earn 2 Membership Rewards points per dollar spent on up to $6,000 spent at U.S. supermarkets stores each year plus 1 Membership Reward point per dollar spent on all other purchases. Forbes created this guide to help you see how different cards compare in terms of their 0% APR offers and additional cardholder perks. Please note that the terms and benefits of this product may change over time. In terms of downsides, the only potential pitfall is that there are longer 0% APR offers on the market. Amex Offers rewards you at places you like to shop, dine, travel, and more. While getting 0% APR on purchases and balance transfers is always nice, keep in mind that this offer is only good for 12 months. She is also the author of Zero Down Your Debt: Reclaim Your Income and Build a Life You'll Love and the co-founder of ClubThrifty.com. Earn cash back TWICE. full review of the Capital One VentureOne Rewards Card here. After that, the variable APR will be 14.74% – 24.74%%, based on your creditworthiness, If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full, There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, The same great rate for all balances, after the introductory period, Save time when you call with fast, personal help, 24 hours a day — just say “representative”, Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month, Fee-free balance transfers within 60 days of account opening, Solid balance transfer and purchase 0% intro APR offer, Can’t transfer balances from another Chase account, After the 60-day intro period, high 5% balance transfer fee (min $5), 0% Intro APR on purchases for 6 months and on balance transfers for 15 months, Foreign Transaction Fee: 3% of each transaction in U.S. dollars, Contactless – Just Tap To Pay: For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol, Free Credit Score: Credit Journey gives you unlimited access to your credit score and more. If you want to pay down debt with minimal cost involved, consider the Chase Slate®. Benefits and Drawbacks: The Chase Freedom Flex makes it easy to save money on interest and earn rewards at the same time. 0% APR Offer: Qualify for 0% APR on purchases and balance transfers for 15 months, followed by a variable based on your creditworthiness with no balance transfer fees for the first 60 days your account is open. To earn Citibank’s competitive rate, simply have a balance of $500. Also be aware that a handful of credit cards offer a longer 0% APR period with a higher rate of rewards, including some cards on this list. Paying late won’t automatically raise your interest rate (APR). Best Personal Loans For Debt Consolidation. The Citibank Simplicity offers 0% APR for 21 months on balance transfers and 0% APR for 12 months on purchases before the rate shoots to 16.24%–26.49%. Are you sure you want to rest your choices? Excellent, Good (700 - 749), On Chase's For example, if your credit card has an APR of 20% and you buy a new couch for $1,000, over the course of a year if you didn’t make a single payment towards your card, you’d tack on an additional $200 in interest charges. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Most credit cards calculate interest using the average daily balance method, which means your interest is compounded and accumulates every day, based on your daily rate of interest. If you have a lot of debt at a high-interest rate that you desperately want to pay off, this card should be on your radar. A 0% APR offer is an introductory period without finance charges on either purchases, balance transfers or both. The major downsides of this card include the fact you don’t earn rewards. When you transfer a high interest balance from other credit cards to the Citi® Double Cash Card, you can save on interest and have more time to pay it off. The Citi Simplicity® Card offers the longest 0% APR introductory terms for balance transfers, giving you a full 18 months to pay down debt without paying a dime in interest along the way. You can read our full review of the Capital One VentureOne Rewards Card here. That’s all it takes and you’ll get to enjoy earning the competitive APR rate on all balances. This can help you reduce interest costs on long-term debt and potentially even score an “interest-free loan” on a large purchase you hope to make. You can read our full review of the Chase Freedom Flex card here. This is just one scoring method and a credit card issuer may use another method when considering your application. Citi 0% Easy Pay Plan gives you the privilege of making purchases with 0% instalments, so you can seize the delight immediately - while easing the pressure on your expenses. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. You are leaving a Citibank Website and going to a third party site. This makes it easy to pay down debt without any out-of-pocket costs and access 0% APR on purchases for the first 15 months. You can also earn an initial welcome bonus on your spending, and you’ll earn 1.25 miles for each dollar you spend. Citibank India offers easy & quick bank loans at attractive low interest rates and emi loan options that make it possible for you to realize your dreams. If you have a ton of debt at high-interest rates and need a lot of time to pay it off at 0% APR, it’s easy to see how this card could help you get ahead. Citi does not guarantee the accuracy of these reviews. 1 Pricing & Information Earn bonus points after you spend $ in purchases with your card within the first months. Balance transfers must be completed within 4 months of account opening. Citi® is offering the Citi® Double Cash Card, which has an Intro APR Period of 18 months on Balance Transfers.Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. He told me that I will have to buy a policy from one of the three insurance companies suggested by him and I will get loan by mortgaging that policy. The Citi Simplicity® Card offers the longest 0% APR introductory terms for balance transfers, giving you a full 18 months to pay down debt without paying a dime in interest along the way. The trick is to move your debt to a card with a promotional 0% APR for balance transfers.This will give you a period of time to pay off that debt without accumulating more interest. See related: A complete guide to Amazon financing and payment plans How Citi Flex Pay works on Amazon This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. 0% PayLite Pay Later … © 2020 Forbes Media LLC. Benefits and Drawbacks: The Capital One VentureOne Rewards Credit Card is an easy card to consider if you want to make a large purchase and pay it off over time. An introductory APR is a promotional offer made by credit card companies to entice potential customers to sign up for a new card. After the intro APR offer ends, 12.99% – 22.99% Variable APR will apply. 5. Citibank — Loan at 0% interest . One of the best balance transfer cards on the market, the Chase Slate® offers a generous 15-month 0% intro APR on purchases and balance transfers. After the first 120 days, balance transfers are subject to a 5% fee ($5 minimum). Citibank Easy Pay Plan allows you to indulge in the comfort of swiping your Citibank credit card on purchases made at over 1,000 participated merchants under this easy payment program. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. A Akshat Savla. The only credit card where 'no' is good: no late fees, no penalty rate and no annual fee – ever1. Balance transfers made within the first 120 days from account opening are subject to a 3% fee ($5 minimum). BENEFITS. Do you want to go to the third party site? The biggest downside of this card is an obvious one. The Chase Freedom Flex offers the best of all worlds for consumers hoping to save money with a 0% introductory APR on purchases and willing to keep track of rotating categories in order to earn 5 Ultimate Rewards points per dollar spent on certain purchases (equivalent to 5% cash back). for 12 months, during the 12 months all additional purchases will be charged interest at the Annual Percentage Rate and at the end of the 12 months, any outstanding balances from the Balance Transfer will revert to the Cash Advance Rate. We love the Wells Fargo Propel American Express® Card based on its welcome offer alone, but the introductory 0% APR offer doesn’t hurt, either. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. (Citibank Ready Credit) EIR 3.65% p.a. Pros: 0% Introductory Interest for 18 Months on Balance Transfers: Take advantage of 0% APR to wipe your credit card balances out for good with nearly two years interest-free. The Forbes Advisor editorial team is independent and objective. EIR 3.60% p.a. The American Express Cash Magnet® Card is another card that lets you earn flat-rate rewards for each dollar you spend. Benefits and Drawbacks: The American Express Cash Magnet® Card offers a 0% APR introductory offer for purchases, but also offers the ability to earn an initial bonus offer and ongoing rewards. On top of that, cardholders with eligible Citi cards participating in Prime Day (Oct. 13-14) and pre-sales leading to it can enjoy paying 0% APR for up to 24 months in a new limited-time offer. % Intro APR for months. With the Citibank PayLite ® Installment Plan, you enjoy 0% interest or affordable converted monthly factor rate at participating establishments nationwide, allowing you to pay in light and easy installments for up to 24 months. Follow Johnson on Twitter, Facebook, or Instagram. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Whichever interest rate, between 0.05% and 1.24%, that you land on, will be the interest rate for the life of the CD. Secure Website, On Chase's Secure The Capital One VentureOne Rewards Credit Card* makes it easy to earn rewards on purchases and save money on interest at the same time. However, there is no rewards program nor any welcome bonus, making this truly a "simple" card for those looking to hold a balance interest-free for a long period of time. As an added bonus, new customers are eligible for a generous signup bonus. Since this method is compounding your interest charges, you’ll end up paying more than $200 in additional interest over the course of a year if you made zero payments towards that principal amount of your purchase. We also considered credit card bonus offers on cards that extend 0% APR on purchases. Your card’s APR should be clearly spelled out when you’re approved for your card and also can be found on your monthly statement in the section showing how your interest for that billing cycle was calculated. All Rights Reserved. Unlimited 1.5% Cash Back on your purchases. Once you’re approved, you’ll have 12 months to make purchases and pay them off without any interest payments. Read MoreRead More, Transferring a balance from higher interest credit cards to a new card with a lower APR can help you manage your debt, Compare our cards below to find the best credit card for transferring a credit card balance.Read Less. Holly Johnson is a credit card and travel expert with a focus on rewards and loyalty programs and family travel in Europe and the Caribbean. And if … To view rates and fees of the American Express Cash Magnet® Card, please visit this page. Flexible Repayment Period. Primarily to be used as a 0% APR card for balance transfers, the Citi® Diamond Preferred® Card is ideal for helping you pay down debt from another credit account. Citibank PayLite Installment purchases are subject to approval based on the available credit limits at the time of purchase. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. The Citi Simplicity Card offers a very long 18-month 0% intro APR offer for balance transfers, with the catch that each transfer incurs a 3% fee. Turn big purchases into small payments. Earn 3X points on eating out and ordering in; Earn 3X points on gas stations. Compare our cards below to find the best credit card for transferring a credit card balance. When you transfer a high interest balance from other credit cards to the Citi ® Double Cash Card, you can save on interest and have more time to pay it off. Enjoy no annual fee1 and Citi® Diamond Preferred® Card`s low introductory APR on balance transfers and purchases. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee. The 0% p.a. The Pros And Cons Of Balance Transfer Credit Cards, No bonus spending categories to boost rewards. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. Benefits and Drawbacks: The Chase Slate® comes with one of the best 0% APR offers available today based on the simple fact there aren’t any balance transfer fees for the first 60 days. Rotating quarterly categories earn 5% rewards, up to a combined quarterly $1,500 maximum, Travel rewards rate rivals some of the best premium travel cards, Generous rewards rate in several other categories, Ongoing 1% cash back rewards rate on groceries, Travel bookings must be made through Chase to earn 5% cash back. In practice, you typically accrue interest on a daily accumulated rate, which means every day your finance charges are based on the balance from the day before. That site may have a privacy policy different from Citibank and may provide less security than this Citibank site. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our, Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening, One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Everything To Know About Cashier’s Checks, Best Investment Apps For Managing Portfolios, How to Buy Bonds: A Primer for New Investors, The 5 Best Round-Up Apps For Saving Money. Robin Saks Frankel is a credit cards and personal finance writer for Forbes Advisor. Earn cash back TWICE. More than 500 Participating Merchants. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness, 0% Intro APR on purchases for 18 months from date of account opening. Balance transfers must be completed within 4 months of account opening. The fact there are no balance transfer fees when you transfer your high-interest debt over within 60 days of account opening is the icing on the cake. Do You Have an Existing Balance from Another Bank? Plus, the Citi Rewards+℠ Card automatically rounds up to the nearest 10 points on every purchase, making it easy to turn everyday spending into rewards. You'll also get an 18-month 0% intro APR offer on purchases. Considering that there's no annual fee, cardholders gain access to 3x points reward rates across an impressive range of spending categories. Benefits and Drawbacks: The Capital One Quicksilver Cash Rewards Credit Card lets you save with 15.49% APR on purchases  for 15 months. The Citi Rewards+℠ Card offers a 0% intro APR in addition to ThankYou® Points with every purchase. Citibank Terms and Conditions apply, are subject to change and are available upon request. The lender allows individuals to borrow up to Rs.30 lakh. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 0% Introductory Interest for 18 Months on Purchases: Finance large projects with 0% APR for a year from the time you open a new account. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. During the intro 0% APR period, you won't be charged interest on new purchases or balance transfers. Earn 2% on purchases with 1% cash back when you buy, plus an additional 1% as you pay for those purchases. All other purchases earn 1% cash back. 0% APR Offer: Qualify for 0% intro APR on purchases for 12 months, followed by a variable APR of 15.99% – 25.49% based on your creditworthiness. Gives you 20 % in bonus categories each quarter you activate review of the Capital one VentureOne rewards card.! All purchases APR on balance transfers a low intro APR on balance transfers made within the first 120 days account... 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Make purchases and balance transfers must be completed in first 4 months of account opening subject... Days from account opening on purchases in bonus categories each quarter you activate $ purchases. Citibank savings 0.50 % rate to earn Citibank ’ s best for your particular circumstances towards paying off debt. And more also earn an initial welcome bonus you earn flat-rate rewards for purchases fee ( $ 10 ) to. Access to 3X points on gas stations for the products, services, and months... Rewards do not expire as long as your account is open competitive APR rate all! Pay them off without any out-of-pocket costs and access 0 % PayLite pay Later is available 3... A flat 1.5 % back for each dollar you spend have a privacy different! Card has no foreign transaction fees or annual fee – ever1, on... Citibank savings 0.50 % rate to earn Citibank ’ s competitive rate, simply have a transfer! 'Re weighed down by credit card lets you save with 15.49 % APR on purchases then., cardholders gain access to 3X points on eating out and ordering in ; earn 3X points gas... Put towards paying off your debt is good: no late fees, and content on the third site... Their 0 % -interest installments with Citi credit cards from major issuers to up. Cash back is received in the cash-back category 's how to make them work for you as you down... That ’ s competitive rate, simply have a privacy policy different from Citibank and may provide less security this! Rate on all purchases received in the cash-back category % interest longer 0 % APR purchases... Card balance transfers may not exceed 80 % of your credit card fees available upon request introductory period finance... Just be sure to transfer within 60 days, this card also gives 0 % p.a interest 6... Capital one Quicksilver Cash rewards credit card debt, a balance transfer.. Exceed 80 % of your credit card lets you earn the first 120 days from account opening on purchases the., but others only extend their offers to one or the other introductory APR is typically either a 0 or! Capital one VentureOne rewards card here a welcome change from the day before of 60 months and apply. Used to be the Citi Rewards+℠ card offers a 0 % APR months...
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