The Best Credit Card for Balance Transfer and Rewards in 2025

Citi® Diamond Preferred® Card: Extended Debt Relief

• Balance Transfer Offer: 0% intro APR for 21 months
• Rewards Structure: None
• Annual Fee: $0
• Why It Stands Out: Lengthy balance transfer period with additional cardholder benefits

The Citi® Diamond Preferred® Card offers an impressive 21-month runway to pay down transferred balances without accumulating interest. While it doesn’t offer cash back or points, it does include benefits like access to Citi Entertainment® and Citi® Identity Theft Solutions.

Citi Simplicity® Card: Forgiveness Features

• Balance Transfer Offer: 0% intro APR for 21 months
• Rewards Structure: None
• Annual Fee: $0
• Why It Stands Out: No late fees, no penalty rates, and no annual fee

The Citi Simplicity® Card combines an extended balance transfer period with cardholder-friendly policies that eliminate common penalty fees. For those occasionally prone to missing payment deadlines, the waived late fees provide additional peace of mind.

When tackling significant credit card debt, an extra three to six months of interest-free payments can save you hundreds of dollars compared to a card with slightly better rewards but a shorter promotional period. Always prioritize your largest financial benefit.

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