Citibank offers three low-interest APR credit cards that have long zero percent intro promo that lasts for more than one year. These cards from Citibank are suitable for consolidating your credit card debts or finance a big purchase. With a zero percent intro promo of more than 1 year, it gives you sufficient time for you to pay off your debt. You need a credit score in between 690 – 850 to get approved for the Citi credit card. The following are the top 3 low-interest credit cards from Citibank that offers the longest zero percent intro promo.
1. Citi Diamond Preferred
Citi Diamond Preferred offers the longest 0% intro promo that lasts for 21 months for purchases and balance transfers. At the end of the 21 months, you get charged with a variable APR that ranges from 13.99% – 23.99%. The balance fee of $5 applies when you make a balance transfer. Citi Price Rewind allows you to receive refunds of up to $500 per item and up to a limit of $2,500 per year if you can find a lower price for the item from other online stores in 60 days. It offers $0 liability coverage for unauthorized purchases and you don’t pay any annual fee.
2. Citi Simplicity
Citi Simplicity also offers 21 months 0% intro promo during which you will not be charged with interest fee for purchases and balance transfers. After 21 months period, the variable APR of 14.99% – 24.99% will apply. Citi Simplicity card holders who are late in making payments by charging a late fee or penalty APR. This makes the card suitable for those who plan to use the card to finance a large purchase. Citi Simplicity does not offer any rewards program or signup bonus for customers. It offers a number of perks such as Citi Price Rewind, and car rental insurance. Even with no late and penalty APR, you should always pay on time by the deadline as it can wreck a lot of APR interests if you don’t.
3. Citi Thank You Preferred Rewards Credit Card
Citi Thank You Preferred Rewards credit card offers 15 months zero percent intro promo on both purchases and balance transfers. After the 15 months period, you will get charged with a variable APR in the range of 14.49% – 24.49%. It gives you opportunities to earn 3x points on gas and 2x points on restaurant and entertainment. Purchases that qualify for the 2x points include movie, amusement parks, zoo, video rental, and subscription to Netflix. All other purchases will earn you 1x point. Every 2,500 points that you accumulate can be redeemed for $25. You can transfer the points to True Blue Points.