0% Balance Transfer for 15 Months
by DR on July 1, 2008
Update: The Citi Plaintum Select MasterCard use to offer a 0% balance transfer for 15 months. Now the offer is even better. Citi now offers 0% on balance transfers for 18 months and 0% on purchases for 12 months.
This is by far the best balance transfer deal currently available. You can check out full review of the Citi Platinum Select, or to get details directly from Citi and to apply online, visit the official Citi Platinum Select website.
Here are some additional details on the Citi Platinum Select MasterCard, as well as other cards that offer 0% balance transfers for 15 months or longer:
| Citi® Platinum Select® MasterCard® |
 |
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
|
| Intro APR |
Intro APR
Period |
Regular
APR |
Annual
Fee |
Balance
Transfer |
Credit
Needed |
| 0% |
18 months on Balance Transfers* |
11.99% – 19.99%* (Variable) |
None |
Yes |
Good |
|
| Discover® More Card |
|
- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
|
| Intro APR |
Intro APR
Period |
Regular
APR |
Annual
Fee |
Balance
Transfer |
Credit
Needed |
| 0%* |
15 Months* |
11.99% – 20.99% (Variable)* |
None |
Yes |
Excellent |
|
| Citi® Dividend Platinum Select® MasterCard® |
|
- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
|
| Intro APR |
Intro APR
Period |
Regular
APR |
Annual
Fee |
Balance
Transfer |
Credit
Needed |
| 0% |
15 months* |
12.99% – 20.99%* (Variable) |
None |
Yes |
Excellent |
|
Tagged as:
15 months,
rebate card
{ 6 comments… read them below or add one }
So, is there any balance transfer fee?
dubious, very important question, and yes there is. Here’s what the fee disclosure says, “3% of the amount of each transaction, but not less than $5.00 nor more than $99.00.” So for 15 months at 0%, a max of $99 is reasonable. What you have to watch out for are the balance transfer fees that are unlimited. Thanks for asking the question, because we should ALWAYS check the balance transfer fees.
You should put the entire amount and invest it in Gold.
You don’t need to be a business owner to get this card. My daughter is a full-time college student with no income and she got this card by applying over the phone. When asked by a CSR if she owned a business she answered “no”. In a week she received a new card with 12K credit limit!
foglifter, thanks for the tip!
Some time ago Advanta offered several credit cards with 0% balance transfers for 15 months. As you may know, however, Advanta has closed its doors, and 15-month transfer offers are a thing of the past. At least that’s what I thought. Now, HSBC is offering a 15 month balance transfer deal, but only in the UK. So if you are in the UK looking for a great 0% BT card, check out HSBC Bank Credit Card. My hope is that this is a trend that will make its way to the U.S.