This offer for a Citi Platinum Select MasterCard can make it quicker and easier to pay off your credit card debt.

It allows you to transfer the balance from a card that's charging lots of interest to a new Citi account that charges no interest for up to a year.

Exactly how long you get to enjoy the 0% interest rate depends on your credit history. The more dings you have, the more likely it is that you'll only get to go interest free for nine months. Or maybe even six months.

Although you'll have to pay a 3% balance transfer fee, other cards are charging as much as 4%, and it's almost impossible to find a card waiving that fee even for promotional deals.

Not having to pay interest on your credit card makes debt a lot easier to get rid of.

Every cent of every check goes toward reducing the balance. (Our balance transfer calculator shows how quickly you can reduce your balance.)

You're also charged 0% APR on all purchases during that time, so you can use the card without having to pay interest on new charges.

Without that perk, you'd have to pay interest on those purchases while you paid off your balance transfer.

After the introductory rate expires, you'll pay a competitive adjustable rate of prime plus 7.74% or 11.74% or 15.74%, again depending on your credit score. (That works out to 10.99%, 14.99% or 18.99% right now.)

But by then, we'd hope you'd be out of debt.

There's also no annual fee.

We don't believe anyone should pay for the privilege of carrying a credit card. Yet a growing number of credit cards are imposing annual fees, from $39 for a basic bank card to an astounding $495 for high-end cards with concierge service.

Citi's is not a rewards card, so you won't earn any cash rebates, miles toward airline tickets or points you can redeem for gift cards.

But if you're carrying a balance, interest charges wipe out any benefits you'd get from a rewards card.

You need the lowest interest rate possible until you're debt-free, and you can't get any lower than 0%.

Here's where to compare Citi's offer with dozens of other credit card deals. Pick the one with the interest rate and terms that fit your needs.