Citi has a good offer for balance transfers (0% APR for 21 months)! I discovered the offer from a link on the Washington Post website.
After reading the offer, reading a lot of reviews on several sites and mulling things over for a day, I took my chance and app'd for the card from their website. Instant approval with a $8,000.00 CL, and a 12.24 % rate (after the 21 month 0% term ends).
The Citi Simplicity Card has the same balance transfer terms, but the APR is mildly higher on the lower end of the offered APR spectrum ( 13.24% -vs- 12.24%). Not the lowest rate out there, but 21 months of no interest for a balance transfer (with a 3% fee) is tough to beat!
I don't have any experience whatsoever with Citibank. Hopefully, this was a good choice for my portfolio.
EQ: 850 (01/2018)
TU: 830 (1/2018)
EXP: 825 (06/2018)
USAA Sig. VISA (7.25%) - AMEX Zync (NPSL)- AMEX Everyday (14.99%)- NFCU VISA Signature (10.65%) - Simmons First National Bank VISA (8.25%) - Citi Thank You Rewards Mastercard (12.65%)-USAA "Limitless" Cashback Rewards VISA Signature (14.45%)-AMEX Cash Magnet (13.25%)
