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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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 Card0% intro APR Period on Balance Transfers
Citi Simplicity® Card21 months
U.S. Bank Visa® Platinum Card18 billing cycles
HSBC Gold Mastercard® credit card

The information about the HSBC Gold Mastercard® credit card has been collected independently by Finder. The card details have not been reviewed or approved by the card issuer.

18 months
Wells Fargo Platinum Card18 months
Citi® Double Cash Card18 months
Citi® Diamond Preferred® Card18 months
Barclaycard Ring® Mastercard®15 months
Chase Freedom Unlimited®15 months
Chase Freedom®15 months
Chase Slate® credit card15 months
Capital One® Quicksilver® Cash Rewards Credit Card15 months
Capital One® SavorOne® Cash Rewards Credit Card15 months
BankAmericard® Credit Card15 statement closing dates

Our pick for a long balance transfer intro APR

Capital One® Quicksilver® Cash Rewards Credit Card

  • Earn $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn 1.5% cash back on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months; 15.74%-25.74% variable APR after that. Pay just 3% fee on balances transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
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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
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
0% intro for the first 15 billing cycles (then 16.74% variable)
$5 or 3% of the transaction, whichever is greater
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn $150 after spending $500 in the first 3 months.
0% intro for the first 12 months (then 14.74% to 25.74% variable)
$5 or 3% of the transaction, whichever is greater
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
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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 a 24-month 0% intro APR balance transfer card?

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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