James W Reed, Credit Cards Moderator
@jameswreed
There are multiple Citibank credit cards with a 0% APR on new purchases, ranging from 0% intro for 12 months to 0% intro for 15 months. The best 0% APR Citibank credit card is the Citi Custom Cash® Card because it offers an intro APR of 0% for 15 months and has a $0 annual fee. Since the average 0% intro APR for new purchases lasts 11 months, the Citi Custom Cash offer is above average.
Citibank Credit Cards with 0% APR on Purchases
| Card Name | Intro APR on Purchases | Regular APR |
| 0% for 12 months | 16.99% - 27.74% (V) | |
| 0% for 15 months | 18.24% - 28.24% (V) | |
| 0% for 12 months | 18.24% - 28.99% (V) |
Each Citibank 0% APR credit card has a higher regular APR once the intro rate expires. To avoid interest charges, you’ll want to pay off your balance before the regular APR sets in. Before you apply, it’s therefore important to compare 0% APR credit card offers and calculate your savings with WalletHub’s Credit Card Calculator.
Finally, it’s worth noting that Citibank offers credit cards with 0% APR on balance transfers, too. It’s best to focus on balance transfer offers if you currently have a lot of credit card debt accruing interest at a high rate.
Popular Credit Cards from Citi, Our Partner
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Initial Bonus
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Cash Back
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0% Intro Rates
People also ask
Should I get a 0% APR credit card?
You should get a 0% APR credit card if you have good credit or better, are planning to make a big purchase or balance transfer soon, and have a plan for paying off the balance before the intro APR period is over. If you fit these criteria, you’ll be able to make the most out of a 0% APR credit card.
Making a plan to pay off a large balance can be an organizational hurdle for some...
read full answer by WalletHub, Financial CompanyWhat are the longest 0% APR credit cards?
The U.S. Bank Shield™ Visa® Card has the longest 0% APR, offering an introductory APR of 0% for 24 months on purchases and qualifying balance transfers - subject to a fee of 5% (min $5). The card’s regular APR is 17.49% - 28.49% (V), and it has a $0 annual fee.
Longest 0% Intro APR Credit Card Offers
- U.S. Bank Shield™ Visa® Card: 0% for 24 months
- Wells Fargo Reflect® Card: 0% for 21 months from account opening
- Chase Slate Edge® credit card: 0% for 18 months
- BankAmericard® credit card: 0% for 18 billing cycles
- Fifth Third 1% Cash/Back Card: 0% for 15 months
- Citi Simplicity® Card: 0% for 21 months
- Citi® Diamond Preferred® Card: 0% for 21 months on balance transfers
These cards benefit from $0 annual fees and require good credit or better (a credit score of 700+) for good odds of approval. Most of them don’t offer any kind of rewards, but they’re meant for financing rather than regular spending.
Credit Cards with the Longest 0% APRs Compared
| Card Name | Purchase Intro APR | Transfer Intro APR | Regular APR |
| 0% for 24 months | 0% for 24 months – subject to a balance transfer fee: 5% (min $5) | 17.49% - 28.49% (V) | |
| 0% for 21 months from account opening | 0% for 21 months from account opening on qualifying balance transfers – subject to a balance transfer fee: 5% (min $5) | 16.99%, 23.49%, or 28.74% Variable | |
| 0% for 12 months | 0% for 21 months – subject to a balance transfer fee: 3% intro fee ($5 min) for each transfer in first 4 months, and 5% ($5 min) for each transfer after that | 18.24% - 28.99% (V) | |
| 0% for 12 months | 0% for 21 months – subject to a balance transfer fee: 5% (min $5) | 16.99% - 27.74% (V) | |
| Fifth Third 1% Cash/Back Card | 0% for 15 months | 0% for 15 months – subject to a balance transfer fee: 4% (min $5) | 19.24% - 29.99% (V) |
| BankAmericard® credit card | 0% for 18 billing cycles | 0% for 18 billing cycles for any balance transfers made in the first 60 days – subject to a balance transfer fee: 3% | 15.24% - 25.24% Variable |
Store Credit Cards With 0% Intro APRs
It’s important to note that some store cards may offer 0% interest for longer than 21 months, but they use deferred interest. This means there's no interest if you pay off the item in full by the end of the promotion period. So, you should only get such a card if you're planning on paying down your balance in full before the interest-free period ends. But if you miss only one payment due date, then interest will be applied to your entire original purchase amount, as if it had been there from the start.
The JCPenney Credit Card is one example, offering 18 months of deferred interest. But these cards are best avoided, due to the potentially high interest rate. Instead, you should check out...
read full answer by Joyce Brown, WalletHub Credit Card AnalystWhat is the Citibank credit card interest rate?
Citibank credit card interest rates can be as low as 0% introductory APR for as long as 12 months on purchases. For balance transfers, the rate can be as low as 0% for as long as 21 months. Regular, ongoing Citibank credit card interest rates can be as low as 16.99% (V) or as high as 33.49% (V), depending on the card and the applicant’s credit standing.
Citibank Credit Card Interest Rates by Card
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: 20.24% to 29.24% (V)...
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