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The credit cards in our Balance Transfer category feautre an APR below 6% for balance transfers.
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Rates & Fees

Purchase APR: As Low As 11.99% Annual Fee: None
Introductory APR: 0% Intro Period: up to 12 Months
Transfer APR: As Low As 11.99% Transfer Fee: 3%, $5 minimum *
Transfer Intro APR: 0% Transfer Intro Period: up to 12 Months
Cash Advance APR: * Grace Period: *
Cash Advance Fee: 3%, $5 minimum * Late Payment Fee: $15/$29/$39 *
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: 3% Default/Penalty APR: *

Offer Details

  • 0% APR* on balance transfers and purchases for up to 12 months
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
  • Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Other Incentives

See Terms*
As of 7/09
Citi® Platinum Select® Card [more details]
Credit Card Offer for Citi® Platinum Select® Card
0% up to 12 Months As Low As 11.99% None Apply Now!

Type: Student

Rates & Fees

Purchase APR: 17.24% Annual Fee: None
Introductory APR: 0% Intro Period: 6 Months
Transfer APR: 17.24% Transfer Fee: 3% of each balance transfer; $5 minimum
Transfer Intro APR: 0% Transfer Intro Period: 6 Months
Cash Advance APR: 21.99% Grace Period: *
Cash Advance Fee: 3% of each cash advance; $5 minimum Late Payment Fee: See terms*
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: 3% Default/Penalty APR: *

Offer Details

  • The credit card that rewards you for good behavior.
  • Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
  • 6,000 bonus points after $50 in purchases are made within 3 months of account opening.
  • 5,000 bonus points when you sign up for paperless statements within 3 months of account opening.
  • 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
  • 0% APR for 6 months on purchases and balance transfers.

Other Incentives

See terms*
As of 7/09
Citi Forward(SM) Card for College Students [more details]
Credit Card Offer for Citi Forward(SM) Card for College Students
0% 6 Months 17.24% None Apply Now!

Type: Student

Rates & Fees

Purchase APR: 17.24% Annual Fee: None
Introductory APR: 0% Intro Period: 6 Months
Transfer APR: 17.24% Transfer Fee: 3%, $5 minimum *
Transfer Intro APR: 0% Transfer Intro Period: 6 Months
Cash Advance APR: * Grace Period: *
Cash Advance Fee: 3%, $5 minimum * Late Payment Fee: $15/$29/$39 *
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: 3% Default/Penalty APR: *

Offer Details

  • 0% APR* on purchases and balance transfers for 6 months.
  • Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores.
  • Earn 1 ThankYou Point for every dollar you spend on all other purchases.
  • Earn 25 ThankYou Points every month when you pay on time and don't go over your credit limit.
  • Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA.
  • Redeem points for gift cards, travel, electronics, music and more.
  • No Annual Fee

Other Incentives

See Terms*
As of 7/09
Citi® mtvU™ Platinum Select® Visa® Card for College Students [more details]
Credit Card Offer for Citi® mtvU™ Platinum Select® Visa® Card for College Students
0% 6 Months 17.24% None Apply Now!

Rates & Fees

Purchase APR: 14.24% Annual Fee: None
Introductory APR: 0% Intro Period: 6 Months
Transfer APR: 14.24% Transfer Fee: 3% of each balance transfer; $5 minimum
Transfer Intro APR: 0% Transfer Intro Period: 6 Months
Cash Advance APR: 21.99% Grace Period: *
Cash Advance Fee: 3% of each cash advance; $5 minimum Late Payment Fee: See terms*
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: 3% Default/Penalty APR: *

Offer Details

  • The credit card that rewards you for good behavior.
  • Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
  • 6,000 bonus points after $50 in purchases are made within 3 months of account opening.
  • 5,000 bonus points when you sign up for paperless statements within 3 months of account opening.
  • 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
  • 0% APR for 6 months on purchases and balance transfers.

Other Incentives

See terms*
As of 7/09
Citi Forward(SM) Card [more details]
Credit Card Offer for Citi Forward(SM) Card
0% 6 Months 14.24% None Apply Now!

Rates & Fees

Purchase APR: 11.99% - 18.99% Annual Fee: None
Introductory APR: 0% Intro Period: Up to 6 months
Transfer APR: 11.99% - 18.99% Transfer Fee: 3%*
Transfer Intro APR: 0% Transfer Intro Period: Up to 6 months
Cash Advance APR: * Grace Period: *
Cash Advance Fee: 3%, $5 minimum* Late Payment Fee: $19+
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: See Terms* Default/Penalty APR: *

Offer Details

  • Help protect the planet with the new biodegradable Discover Card
  • Card plastic breaks down 99% within five years in landfill conditions
  • Earn more cash in more ways than anyone else(SM)*
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online*
  • Double rewards with more than 100 Cashback Bonus Partners*
  • Customer Service in less than a minute, anytime you want
  • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Other Incentives

See Terms*
As of 7/09
Biodegradable Discover® More Card [more details]
Credit Card Offer for Biodegradable Discover® More Card
0% Up to 6 months 11.99% - 18.99% None Apply Now!

Rates & Fees

Purchase APR: 11.99% - 18.99% Annual Fee: None
Introductory APR: 0% Intro Period: Up to 6 Months
Transfer APR: 11.99% - 18.99% Transfer Fee: 3%*
Transfer Intro APR: 0% Transfer Intro Period: Up to 6 Months
Cash Advance APR: * Grace Period: *
Cash Advance Fee: 3%, $5 minimum * Late Payment Fee: $19+
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: See Terms* Default/Penalty APR: *

Offer Details

  • Earn more cash in more ways than anyone else(SM)*
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online*
  • Double rewards with more than 100 Cashback Bonus Partners*
  • Customer Service in less than a minute, anytime you want
  • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Other Incentives

See Terms*
As of 7/09
Discover® More(SM) Card [more details]
Credit Card Offer for Discover® More(SM) Card
0% Up to 6 Months 11.99% - 18.99% None Apply Now!

Rates & Fees

Purchase APR: 11.99% - 18.99% Annual Fee: None
Introductory APR: 0% Intro Period: Up to 6 Months
Transfer APR: 11.99% - 18.99% Transfer Fee: 3%*
Transfer Intro APR: 0% Transfer Intro Period: Up to 6 Months
Cash Advance APR: * Grace Period: *
Cash Advance Fee: 3%, $5 minimum * Late Payment Fee: See Terms*
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: See Terms* Default/Penalty APR: *

Offer Details

  • Earn more cash in more ways than anyone else(SM)*
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online*
  • Double rewards with more than 100 Cashback Bonus Partners*
  • Customer Service in less than a minute, anytime you want
  • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Other Incentives

See Terms*
As of 7/09
Discover® More(SM) Card - American Flag [more details]
Credit Card Offer for Discover® More(SM) Card - American Flag
0% Up to 6 Months 11.99% - 18.99% None Apply Now!

Rates & Fees

Purchase APR: 11.99% - 18.99% Annual Fee: None
Introductory APR: 0% Intro Period: Up to 6 Months
Transfer APR: 11.99% - 18.99% Transfer Fee: 3%*
Transfer Intro APR: 0% Transfer Intro Period: Up to 6 Months
Cash Advance APR: * Grace Period: *
Cash Advance Fee: 3%, $5 minimum * Late Payment Fee: See Terms*
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: See Terms* Default/Penalty APR: *

Offer Details

  • Earn more cash in more ways than anyone else(SM)*
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online*
  • Double rewards with more than 100 Cashback Bonus Partners*
  • Customer Service in less than a minute, anytime you want
  • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Other Incentives

See Terms*
As of 7/09
Discover® More(SM) Card - Clear [more details]
Credit Card Offer for Discover® More(SM) Card - Clear
0% Up to 6 Months 11.99% - 18.99% None Apply Now!

Rates & Fees

Purchase APR: 11.99% - 18.99% Annual Fee: none
Introductory APR: 0% Intro Period: Up to 6 Months
Transfer APR: 11.99% - 18.99% Transfer Fee: 3%*
Transfer Intro APR: 0% Transfer Intro Period: Up to 6 Months
Cash Advance APR: * Grace Period: *
Cash Advance Fee: 3%, $5 minimum * Late Payment Fee: see terms*
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: see terms* Default/Penalty APR: *

Offer Details

  • Earn more cash in more ways than anyone else(SM)*
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online*
  • Double rewards with more than 100 Cashback Bonus Partners*
  • Customer Service in less than a minute, anytime you want
  • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Other Incentives

See Terms*
As of 7/09
Discover® More(SM) Card - Monogram [more details]
Credit Card Offer for Discover® More(SM) Card - Monogram
0% Up to 6 Months 11.99% - 18.99% none Apply Now!

Rates & Fees

Purchase APR: 11.99% - 18.99% Annual Fee: None
Introductory APR: 0% Intro Period: Up to 6 Months
Transfer APR: 11.99% - 18.99% Transfer Fee: 3%*
Transfer Intro APR: 0% Transfer Intro Period: Up to 6 Months
Cash Advance APR: * Grace Period: *
Cash Advance Fee: 3%, $5 minimum * Late Payment Fee: See Terms*
Over Limit Fee: * Returned Check Fee: *
Foreign Conversion Rate: See Terms* Default/Penalty APR: *

Offer Details

  • Earn more cash in more ways than anyone else(SM)*
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online*
  • Double rewards with more than 100 Cashback Bonus  Partners*
  • Customer Service in less than a minute, anytime you want
  • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Other Incentives

See Terms*
As of 7/09
Discover® More(SM) Card - Sealife Collection [more details]
Credit Card Offer for Discover® More(SM) Card - Sealife Collection
0% Up to 6 Months 11.99% - 18.99% None Apply Now!
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