How to do a balance transfer with Citi

The Citi Rewards+® Card, which comes with no annual fee, is a good card for both balance transfers and everyday spending.

You’ll get a 0 percent intro APR on balance transfers for 15 months from the date of your first transfer and a 0 percent intro APR on purchases for 15 months after opening your account — which are both followed by a variable APR of 17.74% – 27.74% (Variable). Note that a 3 percent intro balance transfer fee (minimum $5) will apply on transfers completed within the first four months of account opening. After that, a 5 percent balance transfer fee (minimum $5) applies.

As for everyday rewards, you’ll earn 2X points at supermarkets and gas stations (on up to $6,000 in purchases per year, then 1X points) and 1X points on all other purchases. Through December 31, 2025, you’ll also earn 5X points on hotel, rental car and attraction purchases made through the Citi Travel portal.

You can also earn a welcome bonus of 20,000 points (worth $200) when you spend $1,500 within three months of account opening. Additionally, Citi will round up all your rewards to the nearest 10 points, meaning a $3 coffee will net you 10 points instead of three points. Plus, this card comes with Citi Entertainment access and Mastercard benefits.