
How do credit card balance transfers work?

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Compare our cards below to find a great balance transfer credit card.
0% Intro APR for 21 months on balance transfers from date of account opening; after that, the variable APR will be 18.24% 28.99%, based on your creditworthiness.1
Intro balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for transfers completed within 4 months of account opening. After that, 5% of each transfer (minimum $5).1
0% Intro APR for 12 months on purchases from date of account opening; after that, the variable APR will be 18.24% 28.99%, based on your creditworthiness.1
0% Intro APR for 12 months on purchases from date of account opening; after that, the variable APR will be 17.24% 27.99% based on your creditworthiness.1
0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.24% 28.24%, based on your creditworthiness.1
Balance transfer fee of either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.1
Balance Transfers must be completed within 4 months of account opening.
0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% 28.24% based on your creditworthiness.1
Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.
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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.2
0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 17.74% 27.74%, based on your creditworthiness.1
Balance Transfer Fee: Intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening; after that, 5% of each transfer ($5 minimum).1
Special Travel Offer: earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.2
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Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 spent per year. Earn 1 ThankYou® Point per $1 spent on all other purchases. Round up to the nearest 10 points on every purchase.2