Confused about which balance transfer offer would be better for me

Confused about which balance transfer offer would be better for me I currently have 2 balance transfer offers from Citi- The first one is: Promo APR on Balance Transfers: 0% Until: Jul 1, 2024 Variable APR after promo ends: 28.24% Balance Transfer Fee: 3% of each transfer (minimum $5) The second is: Promo APR on Balance Transfers: 0.99% Until: Jan 1, 2025 Variable APR after promo ends: 28.24% Balance Transfer F...

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