Advantages
This card offers a class-leading promotional financing offer that allows you to eliminate interest charges on your balance transfers and new purchases. And when you don’t pay interest on your balance, 100% of your payment will go towards paying off your debt, allowing you to become debt-free sooner. And all you have to do is make your payments on time, for at least the minimum amount, and you’ll have your introductory financing offer extended until 21 months.
This card also has no annual fee and comes with a valuable mobile phone protection policy.
Disadvantages
Once you’ve paid off your balance and the promotional rate expires, this is just a very basic card that doesn’t offer any rewards and few benefits. It also has a 3% foreign transaction fee, so you’ll want to leave it at home next time you leave the U.S.
Alternatives
Citi® Diamond Preferred® Credit Card. This card comes with 21 months of 0% APR financing on balance transfers, but just 12 months for new purchases. There’s no annual fee for this card, however it has a high balance transfer fee of 5%