Are you looking to consolidate your credit card debt and save on interest? Citi offers some of the best balance transfer credit cards in 2025, featuring 0% APR promotions, low fees, and valuable perks. In this guide, we’ll explore the top Citi credit cards for balance transfers, helping you choose the right one for your financial needs.
Why Choose a Citi Credit Card for Balance Transfers?
Citi is known for offering competitive balance transfer credit cards with long 0% APR periods and reasonable fees. Here’s why Citi credit cards stand out:
- Extended 0% APR Periods: Citi often provides some of the longest interest-free periods on balance transfers.
- Low or No Annual Fees: Many Citi cards come with no annual fees, making them cost-effective for debt consolidation.
- Flexible Transfer Options: Citi allows balance transfers from other banks, giving you more flexibility in managing debt.
- Additional Perks: Some Citi cards offer rewards, purchase protection, and other benefits beyond balance transfers.
Top Citi Credit Cards for Balance Transfers in 2025
Here are the best Citi credit cards for balance transfers in 2025, based on their 0% APR offers, fees, and additional benefits.
1. Citi® Diamond Preferred® Card
The Citi® Diamond Preferred® Card is one of the best options for balance transfers, thanks to its exceptionally long 0% APR period.
- 0% Intro APR: 21 months on balance transfers (then a variable APR applies).
- Balance Transfer Fee: 3% of the amount transferred (minimum $5).
- Annual Fee: $0.
- Additional Perks: Access to Citi Entertainment and free FICO® score monitoring.
Best for: Those who need a long time to pay off transferred balances without interest.
2. Citi Simplicity® Card
The Citi Simplicity® Card is another excellent choice, especially for those who want a straightforward card with no late fees.
- 0% Intro APR: 21 months on balance transfers (then a variable APR applies).
- Balance Transfer Fee: 3% of the amount transferred (minimum $5).
- Annual Fee: $0.
- Additional Perks: No late fees or penalty APR.
Best for: Individuals who want a hassle-free balance transfer card with no penalty fees.
3. Citi® Double Cash Card
The Citi® Double Cash Card is a great option for those who want to earn rewards while paying off their balance.
- 0% Intro APR: 18 months on balance transfers (then a variable APR applies).
- Balance Transfer Fee: 3% of the amount transferred (minimum $5).
- Annual Fee: $0.
- Rewards: Earn 2% cash back – 1% when you buy and 1% when you pay.
Best for: Those who want to earn cash back while managing their balance transfer.
4. Citi Rewards+® Card
The Citi Rewards+® Card is a unique option that rounds up rewards on every purchase while offering a solid balance transfer promotion.
- 0% Intro APR: 15 months on balance transfers (then a variable APR applies).
- Balance Transfer Fee: 3% of the amount transferred (minimum $5).
- Annual Fee: $0.
- Rewards: Earn 2X points at supermarkets and gas stations (on the first $6,000 per year) and 1X points on all other purchases.
Best for: Those who want to earn rewards while taking advantage of a balance transfer offer.
How to Choose the Best Citi Balance Transfer Card
When selecting a Citi credit card for balance transfers, consider the following factors:
- Length of 0% APR Period: Choose a card with a long interest-free period if you need more time to pay off your balance.
- Balance Transfer Fees: Most Citi cards charge a 3% fee, so factor this into your decision.
- Additional Perks: If you want rewards or other benefits, consider a card like the Citi® Double Cash Card.
- Annual Fees: All the cards listed here have no annual fees, making them cost-effective choices.
Final Thoughts
Choosing the right Citi credit card for balance transfers in 2025 can help you save on interest and pay off debt faster. The Citi® Diamond Preferred® Card and Citi Simplicity® Card offer the longest 0% APR periods, while the Citi® Double Cash Card and Citi
