The Best Balance Transfer Card of 2023 |
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Take a 21-month Break From Paying Interest

Bottom Line:

  • . Sign up online today and you won't pay any interest at all until 2024. The 21 month period starts when you open the account and applies to all qualifying balance transfers.
  • With Citi® Quick Lock and $0 liability on unauthorized charges you can have full peace of mind know that your account is secure and protected
  • $0 annual fee.
  • Click, "Apply Now" to apply online

We're declaring a new Best in Class winner in the Balance Transfer category.

The , from our partner Citi, offers a full . That's the longest interest-free period available on the market today, which is the most important factor you'll need to consider.

Why We Rate This The Top Balance Transfer Card

Balance transfer credit cards are basically measured by a single standard — time. It's all about how much time they give you to pay down debt without interest. By that standard, the Citi Simplicity® Card's is the longest of any card available on the market today.

What we're seeing is the drive interest from people who…

Want to delay initial interest payments on new purchases

Have an existing balance they want to transfer

Need a time window to pay off their balance before they start paying interest. If you were to sign up online for the card today you’d have until 2024 before you start getting hit with interest charges. It's like taking a 21-month vacation from paying interest!

More than just a balance transfer card

The longest 0% Intro APR period on the market is reason enough to say yes to this card. On top of that, Citi® offers a few more perks that make this our new must-have among Balance Transfer cards:

  • No annual fee. The card is designed to help you save money. You'll automatically avoid any annual or upfront fees.
  • No Late Fees and No Penalty Rate, so you never have to worry about extra charges to your account if you happen to pay late
  • Built-in $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions means you can shop with confidence knowing that you have dependable purchase protection.

Can you do any better with a balance transfer card?

In short, we don’t think so. On top of almost two years at 0% APR on balance transfers plus great perks like Citi® Identity Theft Solutions, you get to take advantage of this offer while paying no annual fee.

Remember, for balance transfer cards it’s all about time. We suggest not wasting any time waiting to apply for the premier balance transfer card on the market. Then take your time to pay down your balance with no additional interest for up to 21 months. See if you are approved simply by clicking here.

Who Should Get This Card

  • The Citi Simplicity® Card is a great fit for those who want plenty of time to pay down debt or finance a large purchase, without being charged interest.
  • Consumers who still need to do some significant shopping while waiting to pay down old balances will love the 0% intro APR for nearly two years