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What 21-month 0% intro APR balance transfer credit cards are out there?

When available, you can take down high-interest debt over several months.

Updated

Fact checked

Our pick for a long intro APR on transfers: Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card logo

18 months

Intro APR on transfers

  • Market-leading 18 months intro APR on transfers and purchases
  • Potentially low revert rate of 14.74%-24.74% variable
  • No annual fee
Apply now
A card that offers a 0% intro APR for 21 months can save you big on interest if you’re struggling to pay off credit card debt. But what cards are out there that offer no interest for 21 months?

As of this writing, there are no cards available that offer a 21 month balance transfer period. However, there are still a range of cards that come up just short of 21 months that can still save you hundreds of dollars.

Do any cards offer a 0% intro balance transfer APR for 21 months?

At this time, no. The last two cards to offer this length of balance transfer — the Citi Simplicity® Card and the Citi® Diamond Preferred® Card — recently had their intro periods reduced to 18 months. Your best bet for longest balance transfer period now is the U.S. Bank Visa® Platinum Card, which clocks in with 20 months of intro APR and similar features to Citi’s offerings.

Compare long 0% intro APR balance transfer credit cards

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$5 or 3% of the transaction, whichever is greater
740
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi® Double Cash Card
0% intro for the first 18 months (then 13.99% to 23.99% variable)
$5 or 3% of the transaction, whichever is greater
740
Get a strong 18 month 0% intro APR on balance transfers AND up to 2% back. This is a rare card that offers both rewards and balance transfers.
Citi Rewards+℠ Card
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$5 or 3% of the transaction, whichever is greater
740
Earn rewards and enjoy a long intro APR period on purchases and balance transfers.
TD Cash Credit Card
0% intro for the first 15 months (then 12.99%, 17.99% or 22.99% variable)
$5 or 3% of the transaction, whichever is greater
680
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from creditcards.com
See issuer's website
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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What is a 21-month balance transfer credit card?

Consider this sort of card as a 21-month interest-free loan to pay off your existing debt. Once approved for a balance transfer card, you can initiate the transfer and start paying off your old balance.

At the end of the introductory period, any unpaid debt from the balance transfer is charged interest at the standard — or revert rate — for that card, which can be between 13% and 27% variable.

Making payments on a balance transfer credit card

Even if a balance transfer credit card offers a 0% intro APR, you’ll still need to pay at least the minimum amount listed on your statement by the due date. To pay off your debt before the introductory period ends, you’ll need to pay more than the minimum amount each month.

Do 24-month balance transfer credit cards exist?

Outside of the occasional promotion, you’d be hard-pressed to find a 24-month 0% balance transfer card. Typically balance transfer offers range from 6 to 21 months.

How to compare balance transfer credit cards

Consider these details when comparing different balance transfer credit cards, including ones with 21-month intro periods:

  • Promotional balance transfer rates and fees.
    Aside from the several-month intro APR, you’ll generally also pay a one-off balance transfer fee. Usually, these range from 3% to 5% of your total transfer.

    If the introductory interest rate is not 0% or there’s a balance transfer fee, you’ll need to consider the cost compared to other long-term balance transfer options.

  • Annual fee.
    Some balance transfer credit cards charge an annual fee, but it may be waived for the first year. Either way, make sure that the annual fee is affordable based on your debt, repayments and the other features of the card.
  • Standard interest rate.
    After the introductory period, any remaining balance from your transfer is charged interest at the revert rate for that card. Any new purchases are also charged interest at the card’s purchase rate, and can affect how long it takes to pay off your balance transfer.

Do I need a long-term balance transfer credit card?

With a small enough debt, you may not need the longest balance transfer credit cards. 18, 15 or even 12 months may be enough — possibly even more than enough.

Use our credit card repayment calculator to figure out how long you need to pay off your debt and how much you could save.

Just enter the balance and APR information for your current credit cards, and the intro period and standard APR of the card you’d like to transfer to. If you don’t know which credit card you want to transfer to yet, we’ve provided a few sample values.

Card #1
$
%

Card that you are transferring to:

%
months
%
%
$
Disclaimer: While every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. Certain assumptions have been made around the repayments made. This calculator is neither a quote nor a prequalification for a credit card.

Compare balance transfer credit cards with shorter intro periods

You’ve crunched the numbers and can pay down your debt faster than you thought, which means you may be able to get more out of your balance transfer card. A 15 or 18-month balance transfer card could potentially offer better rewards and lower balance transfer fees.

Intro APR on balance transfers Revert rate
Citi Rewards+℠ Card 15 months of 0% intro APR 13.49% to 23.49% variable
Citi® Diamond Preferred® Card 18 months of 0% intro APR 14.74% to 24.74% variable
Citi Simplicity® Card 18 months of 0% intro APR 14.74% to 24.74% variable
TD Cash Credit Card 15 months of 0% intro APR 12.99% to 22.99% variable
Bank of America® Cash Rewards Credit Card 15 statement closing dates of 0% intro APR 13.99% to 23.99% variable
Citi® Double Cash Card 18 months of 0% intro APR 13.99% to 23.99% variable
Wells Fargo Platinum Card 18 months of 0% intro APR 15.49% to 24.99% variable
HSBC Gold Mastercard® credit card 18 months of 0% intro APR 13.99% to 23.99% variable

Are there cards with 21 months 0% interest for purchases?

At the moment of writing, no. There’s no card that offers 21 months of 0% interest on purchases.

However, the U.S. Bank Visa® Platinum Card comes close at 20 months of 0% intro APR period on both purchases and balance transfers. After the intro APR period ends, your rate reverts to 13.99% to 23.99% variable.

Bottom line

When they’re available, a 21-month no-interest balance transfer card can give you the time you need to pay off your debt with plenty of wiggle room. Just be sure to budget and pay down your debt within the introductory period. Otherwise, revert rates can catch up to you.

For smaller debts, it may make more sense to aim for a card with a low balance transfer fee. It may not have as long of an intro APR, or as good of an intro rate, but it could end up being more cost effective. If you still aren’t sure which card is best for you, compare other balance transfer credit cards to find the best option for your financial needs.

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