Why we choose it

The Citi Custom Cash card is one of the most adaptable cash-back cards on the market, allowing you to use it to pay down debt while earning considerable rewards. With the Citi Custom Cash card, you'll get an initial 0% APR on purchases and balance transfers for 15 months (then, 14.49% - 24.49% Variable). That intro APR deal is one of the longest currently available, which means you have ample time to pay down debt without accruing interest charges.