![]() What we like about the Citi Diamond Preferred: This is a great card if you need an extended amount of time to get your finances in order. 0% introductory APR on all purchases for the first 12 months (18.24% to 28.99% variable APR afterward).0% introductory APR for 21 months on balance transfers made in the first four months after you open the card (18.24% to 28.99% variable afterward).This card is right for: People who want an extended time frame to consolidate their debt, with 21 months at the introductory rate as well as a lengthy period to complete any balance transfers and still get the introductory offer. Why it’s great in one sentence: If your main focus is to lower your interest payments, the Citi Diamond Preferred offers a 0% APR for a full 21 months on balance transfers completed in the first four months after you open the card (the interest rate rises to a variable 18.24% to 28.99% after the introductory period ends). ![]() So dive into the details of each card with us, and see how they stack up.Ĭiti Diamond Preferred: Best overall for balance transfers ![]() ![]() Why did we select these cards as our best balance transfer credit cards for October 2023? CNN Underscored’s comprehensive credit card methodology compares every aspect of each balance transfer credit card to our “benchmark credit card” to determine which cards can potentially bring you maximum value. Citi Rewards+® Card: Best for small purchases.Chase Freedom Flex℠: Best for rotating bonus categories.Citi® Double Cash Card: Best for flat-rate cash back rewards.Bank Visa® Platinum Card: Best for long balance transfers. Citi® Diamond Preferred® Card: Best overall for balance transfers.The best balance transfer credit cards of 2023 So if you need to get your credit card debt under control, check out our list of the best balance transfer credit cards to decide which one best fits your needs. Some balance transfer credit cards also offer great rewards on your everyday purchases, and a few even have useful perks such as cell phone protection or travel insurance. That means if you transfer your balance now, you could pay no interest on your debt until 2024. This introductory rate applies to the transferred debt for anywhere from 12 to as many as 21 months from when you first open the card. But rather than falling further behind, you should consider consolidating your debt with a balance transfer credit card.īalance transfer credit cards offer an introductory 0% annual percentage rate (APR) on existing balances that you transfer over from other credit cards. Even now, you may be finding it hard to keep up with your monthly credit card payments. If you’re like other Americans, you may have racked up a sizable amount of debt in the last few years. Enrollment may be required for select American Express benefits and offers. Terms apply to American Express benefits and offers. We may receive a commission through our affiliate partners if you apply and are approved for a product, but our reporting is always independent and objective. Your CNN account Log in to your CNN accountĬNN Underscored reviews financial products based on their overall value.
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