Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
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 . What changed?
What's in this guide?
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. Whether Citi extends the intro APR period in the future is anyone’s guess. If you need a balance transfer card to consolidate your debt, you could be better off getting whichever card comes close to the 21 months of intro APR period.
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.
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.
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.
Compare balance transfer credit cards with shorter intro periods
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|
|Amex EveryDay® Credit Card||of intro APR||to variable|
|Capital One® SavorOne® Cash Rewards Credit Card||of intro APR||15.49% to 25.49% variable|
|Capital One® Quicksilver® Cash Rewards Credit Card||of intro APR||15.49% to 25.49% variable|
|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|
|Chase Freedom Unlimited®||of intro APR||14.99% to 23.74% variable|
|Chase Freedom Flex℠||of intro APR||14.99% to 23.74% 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|
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
More guides on Finder
CIT Savings Connect account review
CIT Savings Connect combines aspects of a checking and savings account in one product.
Sephora Credit Card review
Sephora regulars get to earn rewards on their purchases.
Capital One savings account interest rates for 2021
See how much interest you could earn with a savings account from Capital One.
Best credit cards for rewards in 2021
Take advantage of miles, points and perks with a card that best fits your lifestyle.
Best balance transfer credit cards of 2021
Here are our top balance transfer picks for 2021.
Best business credit cards for 2021
Here are our top picks for 2021.
Fast track your savings goals with this automation and budgeting app.
Upgrade Card review
The fee-free Upgrade Card offers 1.5% cash back, but it lacks many standard benefits.
Tomo Credit Card review
A solid cashback card with no credit history required to apply for it.
Best secured credit cards of 2021
Our top picks can help you build your credit without paying sky-high fees.
Ask an Expert