Chase vs Citi
Citi BALANCE-TRANSFER pays 16.49% APR; Chase BALANCE-TRANSFER pays 18.24%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Chase
18.24%
APR
- Min
- $0
- Fee
- $0/mo
Best for: 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balanc
Open with Chase →Option B
Citi
16.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
Open with Citi →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.