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.