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What 21-month 0% intro APR balance transfer credit cards are out there?
Currently there are no balance transfer credit cards with 0% apr for 21 months.
Has there ever been a 21 month balance transfer credit card?
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. In the past, the intro APR on these cards have fluctuated in length.
At one point there was even a no-interest credit card for 24 months on the market. But that length for a 0% APR is extremely rare.
Will a 21-month balance transfer card ever come back?
We predict that eventually some credit cards with 0% apr for 21 months will be available again. During the pandemic, issuers have reduced or discontinued balance transfer offers.
As the economy recovers, it is likely that these longer offers will return. However, if you’re currently carrying credit card debt, it’s most likely beneficial to not wait for a no interest 21-month offer. There are great cards with 18-month offers available now.
Compare balance transfer credit cards with long intro APRs
To get the longest intro APR period on balance transfers, you need to have at least a good credit score of 670 or higher. Also, most of these cards have no annual fee but will charge you a balance transfer fee.
|Intro APR on balance transfers||Revert rate|
|Citi® Diamond Preferred® Card||18 months of 0% intro APR||13.74% to 23.74% variable|
|Citi® Double Cash Card||18 months of 0% intro APR||13.99% to 23.99% variable|
|HSBC Gold Mastercard® credit card||18 months of 0% intro APR||13.99% to 23.99% variable|
|Citi Simplicity® Card||18 months of 0% intro APR||14.74% to 24.74% variable|
|Wells Fargo Platinum Card||18 months of 0% intro APR||15.49% to 24.99% variable|
Compare long 0% intro APR balance transfer credit cards
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.
Pros and cons of long intro APR cards
- No annual fee. Almost every balance transfer card comes with a $0 annual fee.
- Long intro APR period. With up to 20 months of 0% intro APR period, you can pay off large amounts of debt without paying interest.
- Potential rewards program. Cashback cards typically come with balance transfers, but there are other reward cards as well.
- Could lose the intro APR period. Some card providers may remove your 0% intro APR period if you’re late on your payments.
- Balance transfers don’t earn rewards. Even if you have a balance transfer card, you won’t earn any rewards on balance transfers.
- Balance transfer fees. Almost all balance transfer cards come with a balance transfer fee of either 3% or 5% of the amount.
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.
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.Back to top
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