Longest 0% APR Cards For Balance Transfers Of November 2024 (2024)

No Rewards

The BankAmericard® credit card does not offer rewards on purchases.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

See Terms

Credit Score

Good, Excellent(700 - 749)

Rates & Fees

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

17.49%, 23.99%, or 29.24% Variable APR

Credit Score

Excellent, Good(700 - 749)

Those seeking a balance transfer card can appreciate that the Wells Fargo Reflect® Card offers a generous introductory APR period on purchases and qualifying balance transfers. However, the card doesn’t offer rewards or other notable benefits, so give it a pass if you don’t need a long introductory APR period.

Intro APR offer

Get a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 17.49%, 23.99%, or 29.24% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies.

Why We Like It

The Wells Fargo Reflect offers one of the longest intro APR periods you’ll find, as well as cellphone protection when you pay your bill with the card.

What We Don’t Like

The card is light on ongoing perks, like rewards or extras, aside from cellphone protection. So there’s little reason to keep it around once you’ve paid off your debt. The balance transfer fee is also on the higher side and can add a hefty surcharge to the amount you transfer to this card.

The Wells Fargo Reflect includes decent auto and theft protection, but the most compelling card benefit is the generous intro balance transfer offer upon account opening.

No Rewards

The Citi® Diamond Preferred® Card does not offer rewards on purchases

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

17.49% - 28.24% (Variable)

Credit Score

Excellent, Good

Those looking to consolidate debt and pay it off over time will appreciate the Citi® Diamond Preferred® Card* for its long introductory offer on balance transfers. The lack of an annual fee further enhances its frugal appeal. On the downside, this card is light on additional perks and comes with a steep balance transfer fee.

Intro APR offer

Get a 0% intro APR for 21 months on eligible balance transfers from date of first transfer and 0% intro APR for 12 months on purchases from date of account opening. After that, the variable APR will be 17.49% – 28.24%. Balance transfers must be completed within 4 months of account opening. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.

Why We Like It

In addition to the card’s extra-lengthy introductory APR period on balance transfers, Citi is known for occasionally offering additional balance transfer offers on its cards, so if you haven’t paid off your debt entirely by the time the card’s intro offer expires, you may get another shot at a promotional APR period. Plus, the card offers access to Citi extras like Citi Entertainment and $0 liability protection.

What We Don’t Like

The balance transfer fee is steeper than what you might find on other cards: 5% of each balance transfer, $5 minimum There are no rewards, making it tough to find a reason to keep it after the initial intro period ends.

While the focus with this card is the long introductory period for balance transfers, very often throughout the year Citi will send offers for other balance transfer deals. This means you could hold this card long term and still have the chance to get great balance transfer offers throughout the year.

No Rewards

This card does not earn rewards

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

18.49% - 29.24% (Variable)

Credit Score

Excellent, Good(700 - 749)

The Citi Simplicity® Card* offers a long intro APR period for balance transfers, and the hook is that if you slip up and make a late payment, you won’t be charged any late fees like you might with other cards. But transfers on the card incur a fee of 5% of the amount of each balance transfer; $5 minimum, which can add on to your existing debt load.

Intro APR offer

Get a 0% intro APR for 21 months on balance transfers from date of first transfer and 0% intro APR for 12 months on purchases from date of account opening. After that, the variable APR will be 18.49% – 29.24%. There is an intro balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater, for transfers made within 4 months of opening the account. After that, a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.

Why We Like It

The Citi Simplicity Card excels at helping you knock out debt with its long introductory APR period. It’s also fairly forgiving, so if you accidentally miss or skip a payment, you won’t get hit with late fees or a penalty APR that could negate the low intro period that drew you to the card in the first place.

What We Don’t Like

Like most cards offering a long low intro APR period, there’s no rewards program or welcome bonus, making this truly a simple bare-bones card for those seeking the longest runway possible to pay down their debt.

The Citi Simplicity’s intro APR offer on purchases and balance transfers can help ease the financial strain of having to shell out for a big purchase or expedite paying down existing debt. Once that intro offer expires though, the card doesn’t have much to offer.

No Rewards

The U.S. Bank Visa® Platinum Card does not offer rewards on purchases.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

17.99% - 28.99% (Variable)

Credit Score

Good/Excellent(700 - 749)

The U.S. Bank Visa® Platinum Card* offers a lengthy intro APR period and does not have an annual fee. Savings on interest during the introductory period can eclipse the transfer fee. But the trade-off for that longer intro APR period is that the card offers little beyond that.

Intro APR offer

Get a 0% intro APR on purchases and balance transfers for 21 billing cycles, followed by a variable APR of 17.99% – 28.99%. Balance transfers made within 60 days qualify for the intro APR and a balance transfer fee of 5% or $5, whichever is greater, applies.

Why We Like It

When your aim is to tackle debt, a long intro APR period can be a helping hand. With this card, you’ll get one of the longest low-interest periods on balance transfers you can find. Plus, the card offers cellphone protection and free credit scores to monitor your credit journey.

What We Don’t Like

The balance transfer fee of 5% of the amount of each transfer or $5 minimum, whichever is greater is on the high side. And the card offers little reason to keep it once the introductory period expires.

Build credit easily with the U.S. Bank Visa Platinum, plus take advantage of one of the longest intro balance transfer periods.

Rates & Fees

Up to 5% Reward Rate

First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, youRead More

Welcome Bonus

Earn $200 cash back

Annual Fee

$0

Regular APR

18.49% - 28.49% (Variable)

Credit Score

Excellent, Good, Fair

Get it for the intro period, keep it for the rewards. The Citi Double Cash® Card packs a one-two punch of a long-lasting balance transfer intro APR and cash-back earnings, making it a wallet staple long after the intro period ends.

Intro APR offer

Get a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 18.49% – 28.49%, based on creditworthiness. An intro balance transfer fee of either $5 or 3%, whichever is greater, applies to transfers completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5).

Why We Like It

In addition to offering over a year of an intro APR to help you pay off a balance transfer more quickly, the card earns rewards at a strong and simple rate. Plus, the card’s underwriting criteria allow those with fair credit to apply, a nice bonus for those who might not qualify for other long-lasting balance transfer offers.

What We Don’t Like

Like many balance transfer cards, this one comes with a balance transfer fee. And the card’s rewards structure means you’ll only earn 1% upfront when the purchase is made and the other 1% when you pay your bill. This won’t be ideal for someone who typically carries a balance.

Not everyone wants to chase bonus categories or shuffle cards in their wallet, which makes the Citi Double Cash the perfect “set it and forget it” credit card. It’s one of the only cards around that not only earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off, and earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25, but also offers a path to using that cash back in the form of more valuable travel points down the road when you’re ready to take the next step.

No Rewards

The BankAmericard® credit card does not offer rewards on purchases.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

See Terms

Credit Score

Good, Excellent(700 - 749)

The BankAmericard® credit card is a no-frills option for anyone seeking a long intro period for balance transfers. There’s no penalty APR if your payment is late and the card offers free FICO Scores, both of which can be helpful when you’re trying to tackle debt. Just know you likely won’t get much from the card after the intro offer is over.

Intro APR offer

Get a see terms intro APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days from account opening, see terms variable APR thereafter. A 3% balance transfer fee applies for the first 60 days, then 4%.

Why We Like It

In addition to having well over a year to pay down debt transferred to this card, the balance transfer fee is less than many competing cards at just 3% for 60 days from account opening, then 4%. Many other cards in this space charge 5% when you shift a balance.

What We Don’t Like

The card lacks a reason to use it once the intro period expires, with no meaningful ongoing benefits or perks.

Rates & Fees

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

18.74%, 20.74%, 23.74%, 26.74% or 28.74% variable APR based on your creditworthiness.

Credit Score

Good, Excellent(700 - 749)

If you’re looking to stretch your ability to pay down existing debt, you’ll find it with the TD FlexPay Credit Card. It doesn’t earn rewards, but it offers a long intro APR on balance transfers. There’s no annual fee and the cellphone protection is a nice touch.

Intro APR offer

Get a 0% introductory APR for the first 18 billing cycles after account opening on balance transfers, then a variable APR of 18.74%, 20.74%, 23.74%, 26.74% or 28.74% applies on both balance transfers and purchases. Balance transfers during the intro period have a 3% fee ($5 minimum) and ongoing balance transfers have a 5% fee ($5 minimum).

Why We Like It

In addition to the long intro APR offer on balance transfers, the card also offers a refund on one late fee per year. Just remember that late payments can still impact your credit score.

What We Don’t Like

The ongoing APR range is high for a card aimed at good or better credit: 18.74%, 20.74%, 23.74%, 26.74% or 28.74% variable APR based on your creditworthiness.

No Rewards

The BankAmericard® credit card for Students does not offer rewards on purchases.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

15.74% - 25.74% Variable APR on purchases and balance transfers

Credit Score

Good, Excellent(700 - 749)

The BankAmericard® credit card for Students* is one of the rare student credit cards with an intro APR offer, making it a needle in a haystack for students seeking a break on high-interest debt. There’s not much more beyond that, but paying off debt can be a reward unto itself.

Intro APR offer

Get a 0% intro APR on purchases and balance transfers for 18 billing cycles, followed by a regular variable APR of 15.74% – 25.74%. Balance transfers must be completed within 60 days of account opening. A 3% fee applies to all balance transfers for the first 60 days your account is open, then 4%.

Why We Like It

Students who rack up a lot of charges for school and living expenses can take advantage of this card’s introductory offer to pay off that debt over time without accruing additional interest.

What We Don’t Like

Unlike most cards aimed at students, this one is only available to those who already have good credit, so it’s not a fit for those seeking their first credit card.

No Rewards

The Slate Edge does not offer rewards on purchases.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

19.74% – 28.49% Variable

Credit Score

Excellent, Good(700 - 749)

In addition to the Chase Slate Edge®*’s balance transfer offer, the card offers an additional helping hand to those who often carry a balance: the ability to be considered for an APR reduction by 2% when you pay on time and spend at least $1,000 on your card by your next account anniversary. That can lessen the sting of accruing interest.

Intro APR offer

Get a 0% intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 19.74% – 28.49% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies on transfers made within 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer, whichever is greater applies.

Why We Like It

The option to earn a lower interest rate on your ongoing expenses is unique and beneficial to anyone who ever carries a balance. It also offers a review for a higher credit limit when you pay on time and spend $500 in your first six months of card ownership. These features can go a long way toward improving your overall credit profile.

What We Don’t Like

Although its introductory balance transfer period is long, it may not be the best choice for everyday use once you’ve gotten a handle on your debt, due to the lack of rewards.

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

18.49% - 28.49% variable

Credit Score

Good/Excellent(700 - 749)

If you get auto insurance through State Farm, this card offers a discount on your deductible if you have a covered incident. The State Farm Good Neighbor Visa® Card* also has strong protections for your warranties and cellphone, but it’s best for State Farm clients. If that’s you, consider it extra insurance against high interest rates thanks to the low intro offer.

Intro APR offer

Get a 0% introductory APR on purchases and balance transfers for the first 18 billing cycles, then a standard APR of 18.49% – 28.49% variable applies – balance transfers must be made in the first 60 days to qualify for the intro rate.

Why We Like It

In addition to the intro balance transfer period, the card offers a unique benefit of up to $200 of reimbursement for the deductible of an auto insurance claim if you made at least eight purchases on your card in the prior month. Plus, the balance transfer fee of 5% of the amount of each transfer or $5 minimum, whichever is greater is on the lower end of the spectrum.

What We Don’t Like

Balance transfers and discounts on auto deductibles aren’t necessarily complementary features. We’d rather see perks that promote holding onto the card long-term versus a discount in case of a car accident.

With an auto deductible reimbursement and cellphone protection, the State Farm Good Neighbor Visa Card is an ideal partner to your State Farm insurance plan. It’s a straightforward card to bolster your coverage, but sadly offers no purchase rewards.