- Intro balance transfer APR0%for 21 Months
- Regular balance transfer APR14.74% - 24.74% Variable
- Balance transfer fee5%Min: $5
- Annual fee$0
Additional rates & fees
- Annual fee
- $0
- Intro purchase APR
- 0% for 12 Months
- Regular purchase APR
- 14.74% - 24.74% Variable
- Intro balance transfer APR
- 0% for 21 Months
- Regular balance transfer APR
- 14.74% - 24.74% Variable
- Cash advance APR
- 25.24% Variable
- Cash advance fee
- 5%, Min: $10
- Late fee
- None
- Penalty APR
- N/A
- Balance transfer fee
- 5%, Min: $5
- Foreign transaction fee
- 3%
- Return payment fee
- Up to $40
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
Card details
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges