Take a Break from High Interest: This Top Card Offers 0% Interest on Balance Transfers Into 2026

Top Pick

Citi Double Cash^® Card

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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on Citi's secure website

Rates & Fees

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Balance transfer cards can help you pay off high-interest debt faster. The FinanceBuzz editors reviewed dozens of cards with 0% intro offers for balance transfers and Citi Double Cash^® Card is one of our favorites for its extra-long no interest period and simple cash back structure.

What you need to know:

• 0% introductory APR period on balance transfers for 18 months - Wipe out high interest rates into 2026!
  
• 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24
• 19.24% - 29.24% (Variable) APR after the intro period
  
• $0 annual fee
• Applicants should typically have fair to excellent credit (580 or higher) to qualify
  

The Citi Double Cash^® Card, from our partner Citi, stands out from other cash back cards for its simplicity and long balance transfer offer. It's hard to find another option that offers so much value with no annual fee.

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates & Fees

Top Pick

Citi Double Cash^® Card

Apply Now

on Citi's secure website

Card Details

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Why We Like It

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. To earn cash back, just be sure to pay at least the minimum due on time.

In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers 0% intro APR on balance transfers for 18 months, then 19.24% - 29.24% (Variable) APR, and no annual fee.

What we like about the Citi Double Cash

Where this card really shines is its 0% introductory APR period for balance transfers for 18 months, then 19.24% - 29.24% (Variable). If you have high interest credit card debt, transferring it to the Double Cash could give you time to pay off your balance without accumulating additional interest. It's a great tool for getting out of debt faster.

More benefits and perks

• Unlimited cash back in all categories: Simply use your card for your everyday spending and you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  
• No more worries about unauthorized charges:  You're completely protected against unauthorized charges on your Citi account. You will not be responsible for a charge that you did not authorize, online or otherwise.
• Access to presale event tickets and more: Citi Entertainment offers special access to thousands of events, including dining experiences, concerts, and sporting events. 
  
• No annual fee: Keep even more money in your wallet - with the Citi Double Cash, the annual fee is simply $0.
• Apply online now

Who is this card best for?

The Citi Double Cash Card is great choice for anyone who:

• Has fair credit or better: Applicants should typically have fair, good or excellent credit for the best chance of approval.
• Wants to save money on high-interest debt: It's hard to beat the 0% introductory APR period for balance transfers for 18 months. The ongoing APR is 19.24% - 29.24% (Variable).
• Hates tracking spending categories: There's nothing to track with the Double Cash - just spend and earn up to 2% cash back.
• Doesn't want to pay an annual fee: The annual fee is simply $0.

Is there a better balance transfer card?

The Citi Double Cash is considered one of the best balance transfer cards available for good reason. New cardholders have a long time to pay down their transferred balances before interest kicks in. You could pay down some sizable debt with such a lengthy balance transfer period. Plus, there's no annual fee to worry about and you'll earn cash back on your purchases.

Bottom Line

The Citi Double Cash^® Card(Rates and fees) is a great choice for almost everyone. Who doesn't love a 0% intro APR on a balance transfer — without an annual fee?

• Twice the cash back: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24
• Debt buster: Enjoy a 0% introductory APR on balance transfers for 18 months. After the intro period, the APR is 19.24% - 29.24% (Variable).
• No annual fee: The Double Cash has no annual fee. Perfect for someone looking to pay down debt, not add to it.

» Click here to apply now and pay 0% interest into 2026 on balance transfers 

Earn Cash Back Twice

Citi Double Cash^® Card

Benefits

Card Details

• Simple flat-rate cash back on all your purchases
• 0% intro APR on balance transfers for 18 months, then 19.24% - 29.24% (Variable) APR
• No annual fee
• Apply Now

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Citi’s secure website

Rates and fees

Read Card Review

Intro Offer

Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back

Annual Fee

$0

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Why we like it

• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. To earn cash back, just be sure to pay at least the minimum due on time.

• In addition to unlimited cash back on all your purchases with no confusing categories, this card also offers 0% intro APR on balance transfers for 18 months, then 19.24% - 29.24% (Variable) APR, and no annual fee.

• Apply Now