Citi Simplicity: 0% APR for 18 months
Sorry, this deal is expired.
If you're working your way towards the end of credit card debt or considering a big ticket purchase, get a 0% interest rate on purchases and balance transfers for 18 months via the Citi Simplicity MasterCard. Carrying a balance beyond the first 18 months will get expensive because the APR returns to a relatively normal 12.99%-21.99%, depending on your creditworthiness. There is no annual fee but there is a balance transfer fee of 3%, which is fairly standard for this type of offer and acceptable given the long 18 month term. Annualized over 18 months the 3% fee plus the 0% rate works out to about 2%, which is a big difference if you're paying high interest right now!
Get a 0% intro APR on balance transfers and purchases for 18 months when you sign up for the Citi Simplicity Visa. Balance transfers do charge a 3% transfer fee (or $5, whichever is greater), which is reasonable for this kind of offer. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. There are no late fees and no annual fee. Note: If you are paying off a credit card debt or making a big ticket purchase, this card can save you a considerable amount of interest. Annualized over 18 months, the 3% fee at 0% interest works out to around 2%, which is a big difference from normal credit card rates.
The Hilton HHonors Reserve Card has a lucrative bonus for early users: 2 free weekend nights (Fri, Sat, Sun) at Hilton hotels and resorts (including the Waldorf Astoria and Conrad brands, which can run over $700/night) after spending $2,500 within four months. You also get free HHonors Gold status, which is normally earned with 16 stays or 36 nights. This means free internet, room upgrades and free breakfast, or bonus points. You can also get HHonors Diamond status by spending $40k in a year. Use the card and you'll also earn a whopping 10 points per $1 on Hilton stays in the Hilton HHonors portfolio, 5 points on flights and cars and 3 points on everything else. Plus, each year you spend $10k, you get one more free weekend night. There is a $95 annual fee. Hilton also has a no-fee Visa Signature Card which is a solid card but has less lucrative benefits, bonus and rewards. See our ranking of the top 5 credit card signup bonuses for additional options.