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You may find credit cards with 0% intro APR on balance transfers. Read Terms and Conditions carefully before applying. For example, consider the Citi® Double Cash Card – 18 month BT offer (Citi is a Credit-Land.com advertising partner). It comes with 18 months of 0% intro APR on balance transfers (13.99% – 23.99% (Variable) after that). The balance transfer fee is 3% of each balance transfer; $5 minimum. It also allows to earn cash back on purchases.