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Citi balance transfer credit cards guide
Get a 0% intro APR on balance transfers for up to 21 months.
If you’re struggling to make a dent in your debt, then it might be time to explore some of the debt consolidation options available. A balance transfer with Citi could be your answer to clearing your debt for good. In this guide, we explore some of the features, benefits and conditions you can expect if you conduct a balance transfer with Citi.
Our pick for balance transfers from another brand
Blue Cash Everyday® Card from American Express
Compare Citi balance transfer credit cards
What are the benefits of a balance transfer with Citi?
You may want to take advantage of a Citi balance transfer to get:
One of the longest intro APRs.
Citi currently offers balance transfer intro APR periods of up to 21 months depending on your card.
Get rewarded for purchases.
Pick the Citi® Double Cash Card if you’re looking to earn rewards on new purchases after you pay off your debts. You could get cash back on every purchase.
No annual fee.
You won’t pay an annual fee to own one of Citi’s credit cards that offers an intro balance transfer period.
No late fees or penalty rates.
With the Citi Simplicity® Card, you won’t pay any fees for late payments or penalty rates on top of no annual fee.
What are the drawbacks of a balance transfer with Citi
Citi may not be the balance transfer provider for you:
Limited card options.
You’ll currently only find three Citi cards with balance transfer offers.
Potentially high revert rate.
Once your intro APR ends, you could be stuck with an interest rate of over 26%, depending on your creditworthiness.
No card options for those with lower credit scores.
It can be difficult to find a balance transfer credit card if you have poor credit. Unfortunately, Citi doesn’t carry any balance transfer cards for those who are rebuilding their credit.
What debts are eligible for a balance transfer with Citi?
You can transfer debt from…
- Non-Citi credit cards.
- Specialty store and gas cards.
- Personal or auto loans.
You can’t transfer debt from…
- Citi or Citi-affiliated products.
Can I transfer balances to another Citi card?
No. It’s rare you’ll find a provider that allows this.
Citi credit cards are available to those who are:
- At least 18 years old.
- United States residents.
- Those with a valid Social Security number or Individual Taxpayer Identification Number.
What do I need to apply?
To apply for a Citi card you’ll need to provide your:
- Full name
- Mailing address, email address and phone number
- Date of birth and Social Security number
- Employment status, total annual gross income, and monthly housing or rent payment
How to transfer a balance with Citi
- Choose a balance transfer card.
Pick which of the two Citi cards fit your needs.
- Apply for the card.
Fill out the application in full with all of the requested details, including your personal and financial information.
- Call the number on the back of your card once you receive it.
You’ll be able to request transfers, plus any fees, up to the amount of your credit limit.
- Wait for the transfer to finish.
Continue paying your old accounts until you see that the transfer is complete.
I got the card. Now what?
- Check with Citi that your transfer is complete. Your old accounts can be closed or left alone once you receive confirmation that the transfer is complete.
- Make payments on time. Despite one card not having any late fees, you can still lose your intro APR if you default on payments.
- Contact customer support with questions. Call 800-950-5114 if you have any questions about your account.
Completing a balance transfer with Citi could be your key to debt consolidation. However, as many issuers and credit cards offer balance transfer options, it’s a good idea to do your research and ensure you find the right credit card with the right features for your financial situation.
Use our balance transfer credit cards comparison to find the best offer for you.
Frequently asked questions about Citi balance transfer cards
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