That being said, several of the best cards for 0 APR are through Citibank. The cards have 0 APR on transfers for 12 months and Citibank has pretty good interest rates, as well. The best is Citibank Platinum Select, with a 0 APR for 12 ... If you own a home and the balances on the cards are significant, your best bet is to use a home equity loan (NOT home equity line of credit) to pay off the cards. The interest rate will be 1/2 to 1/3 the rate of a credit card and you ...