Citi Platinum Select Mastercard – a Balance Transfer Favorite

One of the most popular balance transfer credit cards at the moment is the Citi Platinum Select MasterCard.

The card is popular because it offers a 0% APR on balance transfers for a full 18 months. That’s one-and-a-half years! After that, the APR varies with the prime rate, and rises to between 11.99% and 19.99% based on your creditworthiness.

Presently there’s a $30 credit available if you make at least $30 in purchases that are not returned within the first 3 months of account opening.

There’s no annual fee for the card, and you need a “good” credit rating to be able to get one. Most people think that if they miss one credit card payment that they have bad credit, but that’s not the case. You can still apply for this card and save on a balance transfer.