Update: this offer ends on 8/17. Use this link to get a 0% APR on purchases and balance transfers for 18 months with the Citi Platinum Select Visa. Plus, there is no annual fee. This is not a strong every day card but for anyone trying to get out of credit card debt or desires 18 months at 0% for a new purchase, this card can be a helpful tool. There is a 3% fee for balance transfers so you'll end up paying about 2% averaged over the 18 months for the transfer but 3-4% is the norm right now while 18 months is very long term for 0%. After the introductory term ends, the rates rise to 11.99% to 21.99% based on creditworthiness, but at that point your goal should be to no longer be carrying a balance, at least on this card.