Credit Cards0% APR·May 13, 2026
0% APR Cards That Buy You 21 Months of Breathing Room
Carrying a balance? These intro-APR cards give you nearly two years to pay it down — interest-free.
Top current offers
- Citi Diamond Preferred — 21 months 0% on balance transfers, 5% fee.
- Wells Fargo Reflect — up to 21 months 0% intro.
- Citi Simplicity — 21 months on transfers, no late fees ever.
- U.S. Bank Visa Platinum — 21 months 0% on both purchases and transfers.
- Chase Slate Edge — 18 months 0%, automatic APR reduction.
Bottom line
If you're carrying $5,000 at 24% APR, a balance transfer can save $1,500–$2,400 over 18–21 months — if you actually pay it off in time.