Are there 0% interest balance transfer cards for 24 months?

A 24 month balance transfer card lets you transfer debts from your existing cards to a new card with an introductory 0% interest rate lasting 24 months. At the end of the introductory period, any unpaid debt from the balance transfer is charged interest at a higher, standard rate.

Here’s a look at your alternatives to 24 month balance transfer credit cards.

Has there ever been a no-interest credit card for 24 months?

Yes. In 2017 Santander Bank Sphere Card offered a 24-month balance transfer intro APR period to customers who applied at their branches in the Northeastern US. Since the discontinuation of the card however, no provider has stepped up to provide a competing card.

Will a 24-month balance transfer card come back on the market?

We don’t know. But if you need to make a balance transfer and save money on interest, waiting for a card that may never come out could be counterproductive. You can still find a variety of strong long-term intro APR balance transfer cards to choose from however, such as the Citi® Double Cash Card or Citi Simplicity® Card.

Alternatives to 24 month balance transfer cards

Here’s a look at some balance transfer cards with intro offers of at least 18-months. All of the listed cards charge no annual fee but do require at least a good credit score to qualify.

Compare credit cards with 0% intro APR on balance transfers

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Name	Product	Amount saved	Balance transfer APR	Balance transfer fee	Minimum credit score	Filter values
PenFed Power Cash Rewards Visa Signature® Card			0% intro for the first 12 months (then 17.99% fixed)	3%	670		2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.	Go to site View details	Compare	loading Fetching your data...
Chase Slate Edge℠			0% intro for the first 18 months (then 19.49% to 28.24% variable) No balance transfer fees for transfers made the first 60 days, then $5 or 5%	For each transfer: 5% intro fee ($3 min) in first 60 days, after that 5% ($5 min)	670		Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first 6 months	Go to site View details	Compare	loading Fetching your data...
PenFed Platinum Rewards Visa Signature® Card			0% intro for the first 12 months (then 17.99% fixed)	3%	670		Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.	Go to site View details	Compare	loading Fetching your data...

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Pros and cons of a 24-month balance transfer credit card

Balance transfer credit card alternatives

Even a 24 month balance transfer card has some limitations. For example, the maximum you can transfer to a credit card is ultimately determined by your credit limit. Depending on your credit score, transferring your entire intended debt to your balance transfer card might prove impossible. Or you might simply need more than 24 months to comfortably deal with your debt.

If either is the case, consider looking into a personal debt consolidation loan. Repayment periods on these loans can last much longer than a balance transfer card, upwards of several years. You can also borrow a much larger amount than you could transfer with a balance transfer card. The only tradeoff is debt consolidation loans don’t offer 0% intro periods, instead offering much lower interest rates for your debts.

Bottom line

At the moment, there are no 24-month balance transfer credit cards with a 0% intro APR period. However, sometimes you can find solid options with up to 21 months of 0% intro APR period on balance transfers that could save you money on interest.

You may also want to compare other balance transfer cards with different features, such as no annual fee, so that you can find a card that offers the most value for your circumstances and goals.