monthly minimum payment usually equals to 1.5%-2% of your total outstanding balance.

In your case, assuming you have a 10k credit line citi card, you need to pay BT fee $75 first, and then pay 2.99% apr interest for the following BT period. You won't earn much money in this case.

If your credit score is not bad, why not apply a new citi card with $100 bonus and 0 BT APR? Move your current credit line to the new citi card, and then do BT. Be careful of the t&c