Balance Transfer Credit Cards

Citi® Diamond Preferred® Card

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0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
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With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.

Purchases intro APR: 0% for 12 months on Purchases
Balance transfer intro APR: 0% for 21 months on Balance Transfers
Regular APR: 18.24% – 28.99% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

Citi Double Cash® Card

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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Purchases intro APR: N/A
Balance transfer intro APR: 0% intro for 18 months on Balance Transfers
Regular APR: 19.24% – 29.24% (Variable)
Annual fee: $0
Credit needed: Excellent, Good, Fair

Citi Rewards+® Card

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Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Plus, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
No Annual Fee

Purchases intro APR: 0% intro for 15 months on Purchases
Balance transfer intro APR: 0% intro for 15 months on Balance Transfers
Regular APR: 18.74% – 28.74% (Variable)
Annual fee: $0
Credit needed: Excellent, Good

BMO Cash Back Credit Card

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Welcome Offer – Get a $200 cash back bonus when you spend $2,000 within 3 months of opening your account.
5% cash back on streaming, cable TV and satellite services
3% cash back on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter
1% cash back on all other eligible purchases
0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 21.24% – 28.24% APR based on your creditworthiness*
No annual fee*
Available only for residents of AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, MA, MD, MN, MO, NE, ND, NJ, NM, NV, NY, OH, OK, OR, SD, TX, UT, WA, WI, and WY.
*See Summary of Credit Terms for Rates & Fees

Purchases intro APR: N/A
Balance transfer intro APR: See Card Details Above
Regular APR: 21.24% – 28.24% Variable
Annual fee: $0
Credit needed: Good Credit

BMO Platinum Credit Card

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0% introductory APR on purchases for 15 months from date of account opening. After that, a variable APR applies, currently 18.24% – 26.24% APR based on your creditworthiness*
0% introductory APR on balance transfers for 15 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 18.24% – 26.24% APR based on your creditworthiness*
No annual fee*
* Available only for residents of AZ, CA, CO, DE, FL, GA, IA, ID, IL, IN, KS, MA, MD, MN, MO, NE, ND, NJ, NM, NV, NY, OH, OK, OR, SD, TX, UT, WA, WI, and WY.
*See Summary of Credit Terms for Rates & Fees

Purchases intro APR: 0% introductory APR on purchases for 15 months from account opening date
Balance transfer intro APR: See Card Details Above
Regular APR: 18.24% – 26.24% (Variable)
Annual fee: $0
Credit needed: Excellent Credit

Key2More Rewards® Credit Card

Provides KeyBank Rewards plus the opportunity to earn a boosted level of rewards based on monthly spend
No annual fee
0% introductory APR on purchases for 6 billing cycles
0% introductory APR on balance transfers for 6 billing cycles (for balance transfers made in the first 60 days of account opening)
Earn 5 KeyBank Relationship Rewards points for every $1 in eligible purchases (with no cap)
Monthly reward points bonus of up to 50%
Zero Liability fraud protection
Protect your credit with Mastercard ID Theft Protection™
Comes complete with the latest in contactless technology
Offer available in states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA
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Purchases intro APR: 0% for the first 6 billing cycles
Balance transfer intro APR: 0% for the first 6 billing cycles (for balance transfers made in the first 60 days of account opening)
Regular APR: 22.24% – 29.24% Variable
Annual fee: $0
Credit needed: Good Credit

BMO Premium Rewards Credit Card

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0% introductory APR on balance transfers for 12 months from date of first transfer when transfers are completed within 90 days from date of account opening. After that, a variable APR applies, currently 20.24% – 28.24% APR based on your creditworthiness*
35,000 introductory bonus points after spending $5,000 within 3 months of account opening
3x points on eligible airfare, hotel & dining purchases up to $2,500 per calendar quarter; 1 point per $1 spend on all other eligible purchases
15% of net annual spend anniversary bonus
No foreign transaction fees*
$79 Annual Fee; waived first year*
*See Summary of Credit Terms for Rates & Fees

Purchases intro APR: N/A
Balance transfer intro APR: See Card Details Above
Regular APR: 20.24% – 28.24% Variable
Annual fee: $79, after the first year from account opening
Credit needed: Excellent Credit

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Balance Transfer Credit Cards

Citi® Diamond Preferred® Card

Citi Double Cash® Card

Citi Rewards+® Card

BMO Cash Back Credit Card

BMO Platinum Credit Card

Key2More Rewards® Credit Card

BMO Premium Rewards Credit Card

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