Transferring an outstanding debt from one credit card to another should excite anyone looking to enjoy the benefits of balance transfer credit cards. Such benefits include rewards on everyday spending as well as a low-interest rate.

The credit card market is filled with an array of credit cards that support balance transfer from one credit to another. However, few offer benefits that would justify one moving from one credit another more so for effective debt management.

Some balance transfer credit cards make it possible to move debt from a high-interest credit card to another card with a 0% introductory annual percentage rate. Such cards allow people to settle their debts with no interest during the introductory period.

Citi Double Cash Card: 18-Month 0% Introductory Rate

Citi Double Cash card stands out, in part because it comes with an 18-month 0% introductory rate on balance transfers. Likewise, it allows users to settle debts interest-free in the first 18 months, after which the APR rate varies between 13.99% and 23.99% based on creditworthiness.

In addition to the balance transfer feature, the card also offers an array of perks, including a chance to earn 2% on every purchase with unlimited 1% cash back.

Citi Diamond Preferred Card: 21 month 0% introductory rate

Arguably one of the best credit cards when it comes to balance transfer. The Citi bank credit card comes with a 21 month 0% introductory rate on balance shares, conversely providing ample time to settle any underlying debt at 0% interest.

The APR rate varies between 13.74% and 23.74% upon the expiry of the 21-month balance transfer grace period. The 0% intro APR applies in the first 12 months from the date of account opening and depends on one’s creditworthiness.

Citi Simplicity Card: 12-month 0% introductory rate

Unlike the other two credit cards, Citi Simplicity Card does not charge late fees. In addition, it accords users an opportunity to settle debts at 0% introductory rate, upon balance transfer to a new credit card for 12 months.

The card also comes with other perks that include extended warranty coverage, auto rental collision damage waiver coverage, and no annual renewal fee.