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24 month 0% intro APR balance transfer credit cards

Pay off your debt interest-free with one of these 0% intro balance transfer credit card offers.


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Get 18 months intro 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
If you’re struggling to pay off credit card debt, moving the balance to a card that offers introductory 0% interest for many months could help you save money and pay off your balance faster. Unfortunately, there are no 24-month balance transfer cards with an 0% intro APR period. But there are credit cards with an intro APR period longer than a year.

Below you’ll find the credit cards with the longest intro APR period on balance transfers.

Credit CardIntro APR Period on Balance Transfers
U.S. Bank Visa® Platinum Card20 months
Citi® Diamond Preferred® Card18 months
Citi Simplicity® Card18 months
HSBC Gold Mastercard® credit card18 months
Wells Fargo Platinum Card18 months
Citi® Double Cash Card18 months
Barclaycard Ring® Mastercard®15 months
Chase Slate® credit card15 months
BankAmericard® Credit Card15 statement closing dates

Compare credit cards with 0% intro APR on balance transfers

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
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
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Luxury Card Mastercard® Titanium Card™
0% intro for the first 15 billing cycles (then 14.99% variable)
$5 or 3% of the transaction, whichever is greater
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
TD Cash Credit Card
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$5 or 3% of the transaction, whichever is greater
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
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What is a 24-month balance transfer credit card?

These cards let you transfer a balance from an existing credit card, or cards, to a new card with a long, introductory 0% interest rate. At the end of the introductory period, any unpaid debt from the balance transfer is charged interest at a higher, standard rate.

Has there ever been an interest-free 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.

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. At the moment, you can still find a variety of 0% intro APR balance transfer credit cards to choose from.

Must read: Making payments on a balance transfer credit card

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

Pros and cons of a balance transfer credit card


  • Save on interest. The savings you can make from paying no interest for a long period of time can help you pay off your debt faster.
  • Long repayment period. Balance transfers generally last between six and 21 months, so the latter is one of the longest intro APR periods available for credit cards. As long as you understand how much you need to repay each month, it should be a generous time frame to repay any existing loans before the interest applies.


  • Standard rate applies to new purchases. Avoid buying new items using this credit card because the standard rate applies. As your repayments go to the debt that’s collecting the highest interest, you’ll be paying the interest for new purchases first. As interest-free days only apply if you’re not carrying a balance, you won’t be able to take advantage of these until you’ve completely repaid your debt.
  • High revert rates. The low or 0% interest rate is only in place for the introductory period, after which a much higher interest rate applies to any remaining balances.

Bottom line

At the moment, there are no 24-month balance transfer credit cards with a 0% intro APR period. However, you can still 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.

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