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. 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. Pay down debt faster and keep more of your money with 0% APR credit cards. Read the U.S. Bank Visa Platinum Card editor's review. The APR is actually not charged all at once during the year. 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. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Citi Diamond Preferred credit card holders benefit exclusively from the Citi Private Pass. 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. Please note that these rates will vary with the Prime Rate. After that, the variable APR will be based on your creditworthiness. Balance Transfer Rate: % Intro APR for months. With a 0% APR credit card, you can focus on paying down balances without the interest keeping you from becoming debt-free. 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. 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. ... 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. They can help you with your goal of reducing debt without having interest charges slow down your progress. 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. Without interest dragging you down for so many months, you can focus on paying off your credit card earlier, before the interest piles on. 0% Intro APR on Balance Transfers and Purchases for 21 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 … for 12 months, with a minimum balance transfer of RM1,000. 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. These offers do not represent all deposit accounts available. Here are the card details in a nutshell: 1. U.S. Bank Visa® Platinum Card. Citi Rewards Card - $500 Voucher Offer - DISCONTINUED: Rewards program: Citi Rewards Program: Balance transfer rate: 0% p.a. That would take you 24 months to pay off, and you'd pay $920 in interest. The only 0% 21-month balance transfer offer used to be the Citi Simplicity Credit Card. It's a solid, no-frills option to help with your debt consolidation goal. Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. 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. % Intro APR for months. Therefore, it is important to understand how the cost of your purchase increases significantly when you also account for the interest. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The content that we create is free and independently-sourced, devoid of any paid-for promotion. Citi does not guarantee the accuracy of these reviews. Chase Slate® Information about the Chase Slate® has been collected independently by CNBC and … 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. After that, a variable APR based on your creditworthiness will apply. The Citi Private Pass is for the weekend adventures, dining experiences, date nights, and more. Plan It® gives the option to select purchases of $100 or more to split up into monthly payments … Citibank and its affiliates are not responsible for the products, services, and content on the third party website. MyBankTracker and CardRatings may receive a commission from card issuers. % 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. Another certificate of deposit product that Citibank offers is the Step Up CD. 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? While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. The … First off, you have a Balance Transfer Plan that charges EIR of 8.99% p.a. It’s hard to beat the 20-month interest-free period currently found on … For more information, call our 24-hour CitiPhone Banking Service on 1758 2484 (CITI) Location: Card Benefits 0% APR and Fees. Standard APR: 14.74% – 24.74%, based on your creditworthiness. Sort of. The Citi Simplicity Card is a balance transfer credit card known for its long introductory 0% APR period. The card has no annual fee but the balance transfer fee is the standard 3 percent of the transferred amount ($5 minimum). for 24 months on balance transfers (2% BT fee applies). 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