Citi vs USAA
USAA BALANCE-TRANSFER pays 10.40% APR vs. Citi BALANCE-TRANSFER's 16.49%. USAA BALANCE-TRANSFER wins on rate; Citi BALANCE-TRANSFER carries a stronger brand reputation.
Option A
Citi
16.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Open with Citi →Option B
USAA
10.40%
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 USAA →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.