Citi vs Discover
Citi BALANCE-TRANSFER pays 16.49% APR; Discover BALANCE-TRANSFER pays 17.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Citi
16.49%
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 Citi →Option B
Discover
17.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Get a 0% intro APR for 18 months on balance transfers and 0% intro APR on purchases for 6 months; balance transfer fee applies. Then 17.49% to 26.49% Standard Variable APR applies, based on credit wor
Open with Discover →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.