A debt-payoff card with 18 billing cycles of 0% on balance transfers and no annual fee.
Rates, fees and offers
- Regular APR
- Variable APR; see Citizens' disclosures.
- Annual fee
- $0
- Promo offers
- 0% intro APR on balance transfers for the first 18 billing cycles.
- Balance transfer fee
- See issuer terms
- Rewards
- No rewards: built for paying down debt at a lower rate.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Divide your transferred balance by 18 and pay at least that each month.
Paying and contacting Citizens
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
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