This offer is only valid for new accounts. You must be at least 18 years of age. APR for Balance Transfers: 0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening. Citibank will not charge you any interest on Purchases if you pay your entire balance by the due date each month. Citibank will begin charging interest on cash advances and balance transfers on the transaction date. Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars. Penalty APR: Up to 29.99%, based on your creditworthiness. If your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely.