0% APR Cards Lasting Until Nearly 2028
Enjoy 0% APR for up to 21 months on balance transfers or purchases. These credit card offers are an excellent way to save money.
Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
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On Citi®'s secure site
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Recommended Credit Score
Excellent/Good (670 – 850*)
This card offers 21-month 0% intro APR on balance transfers — one of the longest available — along with 12 months of no interest on purchases!
| Intro APR |
0% intro APR for 21 months on Balance Transfers 0% intro APR for 12 months on Purchases |
|---|---|
| Regular APR | 16.49% – 27.24% (Variable) |
| Annual Fee | $0 |
Apply Now
On Citi®'s secure site
- Very long intro APR on balance transfers
- No annual fee
- Free FICO® score access
- Shorter intro APR on purchases
- Balance transfer fee increases after the first four months
Apply Now
On Citi®'s secure site
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0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% – 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
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There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
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No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
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Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
Apply Now
On Citi®'s secure site
Here’s Why We Love This Balance Transfer Card
If you’re looking to optimize your credit card interest payments, a balance transfer card is rated based on how much time the card issuer gives you to pay down your existing balance without any interest payments. With 21 full months of 0% interest on balance transfers, it’s easy to see why the Citi® Diamond Preferred® Card is our top-rated balance transfer card.
The Citi® Diamond Preferred® Card is an attractive card for those interested in:
- Transferring existing balances
- $0 Annual Fee
Do you need some breathing room with your credit card interest payments?
If so, the Citi® Diamond Preferred® Card is a great option that offers a 0% intro APR for 21 months on Balance Transfers and 0% intro APR for 12 months on Purchases. After the introductory period, a 16.49% - 27.24% (Variable) will apply. These incredibly generous intro periods make the Citi® Diamond Preferred® Card one of the best available options, especially for balance transfe
We think the Citi® Diamond Preferred® Card is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
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On Wells Fargo's secure site
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Recommended Credit Score
Excellent/Good (670 – 850*)
The exceptional 0% intro APR — 21 months on purchases and on qualifying balance transfers — makes the Wells Fargo Reflect® Card one of the best cards on the market.
| Intro APR | 0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers |
|---|---|
| Regular APR | 17.49%, 23.99%, or 28.24% Variable APR |
| Annual Fee | $0 |
Apply Now
On Wells Fargo's secure site
- No annual fee
- Exceptionally long intro APR period
- Cell phone protection option
- Some competing cards charge a lower balance transfer fee
- There is a foreign transaction fee so it’s not the best option for purchases outside of the U.S.
Apply Now
On Wells Fargo's secure site
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Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
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0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
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$0 annual fee.
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Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Apply Now
On Wells Fargo's secure site
0% Intro APR For 18 Months on Balance Transfers
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On Discover's secure site
, Press to apply in a new tab
Recommended Credit Score
Excellent/Good (670 – 850*)
This is a solid choice for anyone in the market for a balance transfer credit card that offers cash back rewards. The dollar-for-dollar match of the cash back you’ve earned your first year is a nice bonus.
| Intro APR |
0% Intro APR on balance transfers for 18 months 0% Intro APR on purchases for 6 months |
|---|---|
| Regular APR | 17.49% – 26.49% Variable APR |
| Cash Back |
1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter. Earn 1% Unlimited Cash Back On All Other Purchases – Automatically |
| Welcome Bonus | Discover will match all the cash back you’ve earned at the end of your first year. |
| Annual Fee | $0 |
Apply Now
On Discover's secure site
- Long introductory APR for balance transfers
- Unlimited dollar-for-dollar cash back match in the first year
- Elevated 2% rewards rate for gas stations and restaurants
- The highest cash-back rate, 2% for gas and restaurants, is limited to $1,000 in combined purchases per quarter.
- Base cash back rate is only 1%
Apply Now
On Discover's secure site
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INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
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Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You’ll still earn unlimited 1% cash back on all other purchases.
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Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
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Redeem cash back for any amount
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No annual fee.
- Terms and conditions apply.
Updated
Apply Now
On Discover's secure site
25,000 Bonus Points Offer Worth $250 Travel Credit
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On Bank of America's secure site
, Press to apply in a new tab
Recommended Credit Score
Excellent/Good (670 – 850*)
Apply Now
On Bank of America's secure site
This card is a great option if you are looking for a straightforward travel card that comes with no annual fee, a welcome bonus, and a generous intro APR for purchases and qualifying balance transfers.
| Intro APR | 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days |
|---|---|
| Regular APR | 17.49% – 27.49% Variable APR |
| Rewards |
1.5x – 3x Points 1.5 points per $1 spent on everyday purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
| Welcome Bonus | 25,000 points (worth $250 travel credit) 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases |
| Annual Fee | $0 |
Apply Now
On Bank of America's secure site
- $0 annual fee
- Flat-rate rewards keep things simple
- No foreign transaction fees
- Elevated points for certain purchase categories are limited
- No additional travel perks offered
Apply Now
On Bank of America's secure site
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25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
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Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
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Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
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Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
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0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Updated
Apply Now
On Bank of America's secure site
As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.