How to Do a Balance Transfer With Citi

Transferring a balance to a Citi card is easy. You can complete the process online, and it takes anywhere from two to 21 days. This process is longer compared to other issuers, which often complete balance transfers in less than 14 days. You'll know the process is complete when the transferred balance shows up on Citi and is no longer on your old card.

Citi stands out by offering cards with a competitive 0% introductory APR period of up to 21 months. This extended no-interest period is perfect if you plan to consolidate debt without having to deal with interest payments.

To make the most of a balance transfer, familiarize yourself with your card's specific terms and features. Before you decide, weigh the intro APR duration, balance transfer fees and annual fees. This way, you'll know if transferring a balance is the right move for your finances.

Whether you already have a Citi card or you’re still shopping around, transferring a credit card balance with Citi is the same process. It’s done online and can take up to three weeks.

1. Compare Citi cards to find one that aligns with your financial needs, ideally a card with a 0% intro APR offer and no annual fee.
2. Apply for your chosen card.
3. Initiate a balance transfer after approval by following the steps below.

1. Log in to your Citi account.
2. Head to “Payments and Transfers” and select “Balance Transfers.”
3. Submit your balance transfer request using the required details from the other credit card.

Citi can take anywhere from two to 21 days to finalize your balance transfer request. Since this waiting period might overlap with your card's grace period, remember to keep making payments on your previous card to avoid penalties. Doing this ensures you avoid late fees until the transfer is completely processed.

To check the status of your balance transfer, log in to your Citi account and verify if the balance has been posted. If you have questions or need assistance, contact Citi customer service at 1-800-950-5114. Keep an eye on your old and new account statements to ensure the transfer is reflected accurately.

Understanding your card’s balance transfer details enables you to use this strategy effectively. A balance transfer done right should lower your overall balances and improve your credit score over time.

When looking for a balance transfer card, consider the length of the 0% intro APR period, balance transfer fee and annual fee. A more extended intro period gives you more time to pay off the balance without interest and allows for lower monthly payments. Meanwhile, lower balance transfer fees and no annual fee keep costs down in the long run.

The Citi Simplicity® card offers 21 months of no interest on balance transfers, which is among the longest available. It comes with a balance transfer fee of 3% (minimum $5) and no late or annual fees. Overall, this card can be a smart choice for consumers who need an extended period to pay down their debt.

Meanwhile, if you want a balance transfer card offering rewards, the Citi Double Cash® is an option. It offers an 18-month 0% intro APR on balance transfers and unlimited 2% cash back on all purchases. If you’re able to pay off your new purchases each month, your cash back can add up and go toward repaying your debt.

We answer some frequently asked questions about balance transfers with Citi to help clarify the process and give you the information you need.

Your unique financial situation determines if doing a balance transfer is the right move for you. A balance transfer can save you on interest charges, but it also comes with a fee and can impact your credit score.

Citi offers some of the longest 0% intro APR on balance transfers, which gives you more time to pay off your debt. Consider if you’re capable of clearing your balance during the promotional periods to avoid additional fees once the regular APR kicks in.