I got this card because of the 0% APR for 21 months on a balance transfer. Best decision I ever made. I had a really high minimum payment on the previous card and all of it was going to interest. It feels so good to finally have that debt paid off! I also liked that they don’t charge late fee’s. The card is pretty much useless to me now especially since it really doesn’t have any benefits.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 21 Months
- Balance Transfer Regular APR 16.99% - 26.99%* Variable
- Annual Fee $0*
- Purchase Intro APR 0% for 12 Months
- Purchase Regular APR 16.99% - 26.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
The card itself is fine but CITI bank not so much. They closed my account due to inactivity with no warning which caused a 27 point hit on my credit score. When I requested it be reopened they said I had to authorize them to do a credit pull which would have dinged my credit score even more. All in all the card is OK but CITI bank is kind of shady.
Compare Holders of this Card
Sample Size: 3,722
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
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.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.