A 21-month 0% intro APR on balance transfers with no annual fee, and one of the lower regular APR ranges.
Rates, fees and offers
- Regular APR
- 16.74%–27.49% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 21 months on balance transfers and 12 months on purchases (transfers must be completed within 4 months).
- Balance transfer fee
- 3% of each transfer ($5 min.) in the first 4 months, then 5% ($5 min.)
- Rewards
- No rewards. Choose your payment due date; free FICO score.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
No rewards: this is a pure debt-payoff card. Transfer within 4 months for the 3% fee instead of 5%.
Paying and contacting Citi
- Pay online
- online.citi.com
- Customer service
- 1-800-842-6596 · 24/7 (lost/stolen line)
- Lost, stolen or fraud
- 1-800-950-5114
- Pay by mail
-
CITI CARDS
P.O. Box 70166
Philadelphia, PA 19176-0166Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
- Billing disputes
- Citi Cards
P.O. Box 6500
Sioux Falls, SD 57117
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