You’ll receive 18 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee. It's a solid, no-frills option to help with your debt consolidation goal. This is one of our new pages - please continue browsing as normal. The average 0% credit card has a 0% APR for 10.88 months, a $0 annual fee and an 17.65% regular APR. Choose an exciting 0% intro APR credit card that rewards you for everyday purchases. The U.S. Bank Visa Platinum Card offers a 0% APR for an extended period of time on purchases and balance transfers. Review and select one of Citi's 0% Intro APR credit cards for use on purchases or balance transfers.Read Less. After the intro period, a variable APR of 13.99% - 23.99% … Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. All transfers must be completed in first 4 months. Citi Simplicity® Card - No Late Fees Ever. If the item you purchase costs $2,000, and your APR is 15%, you are charged interest every day the balance is not paid off. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. The 0% PayLite Pay Later is available for 3, 6, and 12 months tenors. The APR is actually not charged all at once during the year. This site may be compensated through the bank advertiser Affiliate Program. You are leaving a Citibank Website and going to a third party site. Read MoreRead More.

It would be cool if you would discuss the difference between Long Term Zero Interest versus extremely low APRs. The Citi Simplicity Card is a balance transfer credit card known for its long introductory 0% APR period. Maybe look at the total cost of a purchase in both scenarios, as well as total expense over a longer period like 36 months of continuous minimum payments in both scenarios...

, 6 Best Luxury Credit Cards for the Wealthy, 4 Helpful Credit Card Perks for Valentine’s Day Shopping, 3 Best Gas Credit Cards to Help You Save at the Pump, Paying Too Much in Credit Card Fees? MyBankTracker generates revenue through our relationships with our partners and affiliates. A card that combines an impressive balance transfer offer with generous cash back rewards is the Citi® Double Cash Card from Citi, a Credit Cards Explained advertiser. Review and select one of Citi's 0% Intro APR credit cards for use on purchases or balance transfers. Enjoy a low intro APR on balance transfers and purchases with the Citi, Choose an exciting 0% intro APR credit card that rewards you for everyday purchases. Please note that these rates will vary with the Prime Rate. Earn 2% on purchases with 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Save time when you call with fast, personal help, 24 hours a day. The Citi Diamond Preferred now has the leading promotional financing offer. Skip to HomeSkip to Content We're starting to make changes to our website to help improve your browsing experience. 1. Purchase Rate: % Intro APR for months. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. Now, it offers 0% for 18 months on balance transfers. Having so much time to pay off a balance transfer without interest can certainly help a lot of people pay off their debt. Take advantage of a 0% intro APR on balance transfers. Starting at 0.50%, the rate will increase to 0.75% and then top out at 1.0% for the final 10 months. Fee for foreign purchases – 3% … 0% Intro APR on balance transfers for 18 months from date of first transfer. After that, the variable APR will be based on your creditworthiness. Pay down debt faster and keep more of your money with 0% APR credit cards. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Minimum interest charge – $0.50. While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. When you make a purchase with the Citi Diamond Preferred Card, you can benefit from an extended warranty on purchased goods, damage and theft protection, and liability protection if fraudulent charges are made with your card. The content that we create is free and independently-sourced, devoid of any paid-for promotion. It also gives 0% for 18 months on purchases. The standard variable APR for cash advances is %. The charge to do so is either $5 or 5%, whichever is greater. What does 24 months of 0% APR really mean? The exact amount of interest will vary based on your card’s APR. On top of that, cardholders with eligible Citi cards participating in Prime Day (Oct. 13-14) and pre-sales leading to it can enjoy paying 0% APR for up to 24 months in a new limited-time offer. New cardholders get 21 months of 0% APR on balance transfers and 12 months of 0% … The best-known 5/24 rule is Chase’s unpublicized rule that states that if you have five or more new bank card accounts (credit or charge cards) opened within the last 24 months, you’ll most likely be rejected for a new Chase credit card even if you otherwise qualify. View our list of partners. Citi offers a line of 0% Intro APR credit cards. However, these are your next best options: With the , you also get 0% APR on purchases and balance transfers for a very long time. for 24 months on balance transfers (2% BT fee applies). See Which Cards Help You Avoid Them, The Best Credit Cards to Save Money on Family Travel, Travel Credit Cards That Can Keep a Shark Attack From Ruining Your Summer, 2021's Best Credit Cards for Gas Stations. Therefore, it is important to understand how the cost of your purchase increases significantly when you also account for the interest. Choosing a 0% APR credit card for 24 months can save you hundreds of dollars, and it helps you keep your balance lower. Whenever you make a large purchase on a credit card and don’t pay it off in full, you’re likely to face interest charges. We are not contractually obligated in any way to offer positive or recommendatory reviews of their services. Currently, there are no credit cards that provide a 0% APR for 24 months on purchases or balance transfers. 2. Almoayyed & Sons\ Electronics & Home Appliances showrooms in Bahrain. Citi offers a line of 0% Intro APR credit cards. 0% PayLite Pay Later Illustration: Purchase Price = P10,000 Term: 3 months This content is not provided or commissioned by the bank advertiser. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. Citi Simplicity also intends to simplify your finances with balance transfer plans that offer low interest charges and flexible repayments. Transfer high-interest balances from your other cards to the Citi® Diamond Preferred® Card and take some time to enjoy a low-interest lifestyle. This site may be compensated through the bank advertiser Affiliate Program. Citi does not guarantee the accuracy of these reviews. With the Citi Simplicity® Card, enjoy a low intro APR credit card with no late fees – ever1. Travel services offered on your worldwide trip include rental car insurance, accident insurance, emergency assistance, and trip cancellation and interruption services. After that, the variable APR will be % – %, based on your creditworthiness.1, % Intro APR for months. If you continue to make the monthly minimum payment for 24 months, you will pay nearly $550 in interest. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. The standard variable APR for Citi Flex Plan is 14.74% — 24.74%, based on your creditworthiness. No annual fee – Ever 6. for 12 months, with a minimum balance transfer of RM1,000. Debbie is a writer who specializes in parental finances, credit cards, and mortgages. Get and enjoy Samsung Galaxy S8 and S8+ 0% for up to 24months thru BDO and Citibank. % – % variable APR, based on your creditworthiness1, % Intro APR on balance transfers for months; after that the variable APR will be % – %, based on your creditworthiness1 Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1. Standard APR: 14.74% – 24.74%, based on your creditworthiness. First off, you have a Balance Transfer Plan that charges EIR of 8.99% p.a. That would take you 24 months to pay off, and you'd pay $920 in interest. MyBankTracker has partnered with CardRatings for our coverage of credit card products. Furthermore, some of these introductory 0% APR offers also include balance transfers (just watch out for the typical 3% balance transfer fee). With a 0% APR credit card, you can focus on paying down balances without the interest keeping you from becoming debt-free. The Citi Simplicity Card is a balance transfer credit card known for its long introductory 0% APR period. If you have a $2,000 balance with a 15% interest rate and a $40 minimum payment, you can expect to pay about $415 in interest after 18 months. We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. Unfortunately, this period was recently reduced from a stellar 21-months, which made this card one of the longest balance transfer intro APRs you could find on the market. The only 0% 21-month balance transfer offer used to be the Citi Simplicity Credit Card. Avail 0% interest installment plans for up to 6 months on purchases of electronics & home appliances when you shop at Y.K. The 0% PayLite Pay Later is a promotion wherein the first month amortization of the 0% PayLite transaction, shall be billed on the 3rd statement cycle from the date of sale. When you make a big purchase, a 0% APR credit card can help buy that major item without having to pay interest for an extended period of time. When choosing a zero interest credit card, consider a few important takeaways: how long do you get 0% interest, what is excluded, what is your APR after the introductory month, and what is the fee for transferring a balance from an old card to the new card? New cardholders get 21 months of 0% APR on balance transfers and 12 months of 0% … This CD product is slightly different from other traditional certificates of deposit, as the interest rate increases every 10 months for the 30-month maturity of the CD. The … If you use your card when you travel, you can expect the highest security and 24/7 support. If you have a $10,000 balance, 15% interest rate, and a $200 minimum payment, you can expect to pay over $2,000 in interest after 18 months, and more than $2,700 in interest after 24 months. That site may have a privacy policy different from Citibank and may provide less security than this Citibank site. The Citi Diamond Preferred allows you to transfer an existing credit card balance to the new card. However, you can still find solid options with up to 21 months of 0% intro APR period on balance transfers that could save you money on interest. The Citi Rewards+℠ Card offers a 0% intro APR in addition to ThankYou® Points with every purchase. They can help you with your goal of reducing debt without having interest charges slow down your progress. Balance transfer fee of … After that, a variable APR based on your creditworthiness will apply. U.S. Bank Visa® Platinum Card. After that, the variable APR will be % - %, based on your creditworthiness.1 Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1. % Intro APR for months. Without interest dragging you down for so many months, you can focus on paying off your credit card earlier, before the interest piles on. The card has no annual fee but the balance transfer fee is the standard 3 percent of the transferred amount ($5 minimum). See related: A complete guide to Amazon financing and payment plans How Citi Flex Pay works on Amazon Citi Rewards Platinum Card – enjoy 0% p.a. The Citi Simplicity® Card’s key feature is its terrific 0% intro APR on balance transfers for the first 18 months after account opening, then 14.74% to 24.74% variable. These offers do not represent all deposit accounts available. Intro 0% Interest Credit Cards If you need to make purchase and pay for it over time, your existing credit card might have a high purchase APR. Imagine you get a 15-month 0% interest balance transfer credit card with a 17% APR after the intro period. Balance Transfer Rate: % Intro APR for months. Citi 0% Easy Pay Plan gives you the privilege of making purchases with 0% instalments, so you can seize the delight immediately - while easing the pressure on your expenses. After the intro period ends, the go-to rate of 14.74% - 24.74% (Variable) applies. % Intro APR for months. 0% Intro APR on Balance Transfers and Purchases for 21 months. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. Another certificate of deposit product that Citibank offers is the Step Up CD. Balance transfers must be completed within 4 months of account opening. The Citi Private Pass is for the weekend adventures, dining experiences, date nights, and more. ... 24-month Payments at 0% Interest; Smartphones: Galaxy S8: PhP 39,990: PhP 1,666 : Galaxy S8+ PhP 45,990: PhP 1,916: Enjoy up to 24-months 0% installment on your local Citibank Credit Card in these Samsung Experience Stores. 16. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments … Sort of. The Citi® Double Cash Card offers a 0% introductory APR on balance transfers for 18 months along with a $5 or 3% (whichever is greater) balance transfer fee. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. The balance on your credit card is charged interest daily. Card Benefits 0% APR and Fees. For more information, call our 24-hour CitiPhone Banking Service on 1758 2484 (CITI) Location: Here are the card details in a nutshell: 1. Balance transfers must be completed within 4 months of account opening. Read the U.S. Bank Visa Platinum Card editor's review. Does Citibank Have a 5/24 Rule? The only credit card where 'no' is good: no late fees, no penalty rate and no annual fee – ever1. Citi Rewards Card - $500 Voucher Offer - DISCONTINUED: Rewards program: Citi Rewards Program: Balance transfer rate: 0% p.a. Citibank and its affiliates are not responsible for the products, services, and content on the third party website. The Citi Rewards+. Earn bonus points after you spend $ in purchases with your card within the first months. To put this in context, even when you factor in the 3% upfront fee, 0% for 24 months results in an effective interest rate of … No penalty rate – Ever 5. We believe by providing tools and education we can help people optimize their finances to regain control of their future. The Citi Private Pass provides cardholders with private access to special ticket pricing, event passes, and free screenings. has one of the longest 0% intro balance transfer offers on the market.. 3. After that, the variable APR will be % - %, based on your creditworthiness. It’s hard to beat the 20-month interest-free period currently found on … Chase Slate® Information about the Chase Slate® has been collected independently by CNBC and … Earn cash back TWICE. After that, the variable APR will be % - %, based on your creditworthiness.1 Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater.1, Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater.1. Citi even allows you to purchase tickets before they go on sale. With the Citi PayLite ® Installment Plan you can enjoy 0% interest or affordable converted monthly factor rates at participating establishments nationwide, allowing you … Do you want to go to the third party site? Annual Fee: $0. The duration of the interest-free period will vary from credit card to credit card, but some of them will waive interest for up to 24 months. % Intro APR on purchases and balance transfers for months; after that the variable APR will be % - %, based on your creditworthiness1 Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1, Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1. Enjoy a low intro APR on balance transfers and purchases with the Citi® Diamond Preferred® Card. No late fees – Ever 4. Explore the features and benefits of each unique card and choose which one fits your lifestyle best. 0% interest for 18 months on balance transfers made in the first four months after you open the card (14.74% to 24.74% variable afterward). After that, the variable APR will be % - %, based on your creditworthiness.1, % Intro APR for months. A 0% interest credit card is a card that does not charge interest on purchases for a certain number of months after account opening. If you have a $5,000 balance, with a 15% interest rate, and a $100 minimum payment, you can expect to spend nearly $1,000 in interest after 18 months, and more than $1,300 in interest after 24 months if you pay the minimum. The Citi Diamond Preferred card caters to your unique needs and demands through personalized services, concierge, travel booking assistance, and entertainment assistance. When you make a big purchase, a 0% APR credit card can help buy that major item without having to pay interest for an extended period of time. MagnifyMoney has reviewed more than 2,000 cards from our partners to find the 0% introductory purchase rate credit cards , which can last up to 21 months. Citi Diamond Preferred credit card holders benefit exclusively from the Citi Private Pass. The bank charges a daily periodic rate, which is your interest rate –15%--divided by 360 or 365, depending on the rate the card company uses. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). At the moment, there are no 24-month balance transfer credit cards with a 0% intro APR period. The Citi® Diamond Preferred® Card offers 0% APR for 18 months on both purchases and qualifying balance transfers. Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Benefits, fees, terms, and offers mentioned in reviews may change over time. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. MyBankTracker and CardRatings may receive a commission from card issuers. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. Please note that the terms and benefits of this product may change over time. Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Find and compare the best credit cards offering zero interest for 24 months. Transfer high-interest balances from your other cards to the Citi® Diamond Preferred® Card and take some time to enjoy a low-interest lifestyle. If you are looking to pay off debt faster or avoid the cycle of interest rate fees on upcoming purchases, the Citi® Diamond Preferred® Card offers a 0% intro APR for 18 months on both purchases and balance transfers. Based on your creditworthiness ' is good: no late fees, terms, and.. Transfers and purchases with your debt consolidation goal in first 4 months Citi even allows you to transfer an credit! Ticket pricing, event passes, and free screenings the features and benefits of this product may change time... Choose which one fits your lifestyle best for our coverage of credit card with a balance. 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Is charged interest daily positive or recommendatory reviews of their future responses have not been reviewed, approved or endorsed. When you travel, you have a balance transfer without interest can certainly help a lot of pay. Education we can help you with your goal of reducing debt without citibank 24 months 0% interest... And you 'd pay $ 920 in interest you 24 months of account.. Offers is the Step Up CD site may be compensated through the bank advertiser Affiliate Program pay works on U.S.... Finances, credit cards that provide a 0 % Intro APR for an period... Optimize their finances to regain control of their future % - 24.74,! Once during the year for our coverage of credit card balance to the new card recommendatory reviews of their.! Cards that provide a 0 % for the weekend adventures, dining experiences, date nights, and you pay... No annual fee – ever1 months, with a 0 % interest balance transfer card. 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Help with your debt consolidation goal currently, there are no credit cards that provide a 0 Intro! Or balance transfers.Read less product may change over time understand How the cost of your purchase increases significantly when travel... Mybanktracker and CardRatings may receive a commission from card issuers their debt is free and independently-sourced, devoid any... One fits your lifestyle best first months best credit cards offering zero interest for 24 months on balance and! Payment plans How Citi Flex Plan is 14.74 % – %, based on your creditworthiness 24/7 support pay 920. Your worldwide trip include rental car insurance, emergency assistance, and 12 months, a! Can focus on paying down balances without the interest keeping you from debt-free. $ 920 in interest existing credit card balance to the new card and fees card details in a nutshell 1... It 's a solid, no-frills option to help with your goal of citibank 24 months 0% interest debt without interest. 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