Pay 0% APR on Balance Transfers Until April 2022 and Beyond

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The pandemic continues to strain the finances of many American families, but many people are optimistically looking toward 2021 — including credit card issuers.

One of many reasons: Plenty of time to deal with outstanding balances on high-interest credit cards.

Check out these offers for 0% rates on balance transfers for introductory periods of up to 18 months — and some additional perks, too, depending on your needs. See which one best fits your financial situation and spending habits.

Citi Diamond Preferred


This card gives you a whopping 18-month runway with a 0% introductory APR to pay off balance transfers from other cards.

How it works: When you transfer credit card balances from high-rate cards, you pay a fee — $5 or 3% of the transfer, whichever is greater — and then you get an 18-month introductory period at 0% APR to pay off those balances. That means, as of publication, you have until April 2022 at 0% interest. You can save a lot if you are determined to pay down that balance during the grace period.

More perks:

  • Pay 0% APR on purchases on this card made in the first 18 months.
  • Free access to your FICO credit score.
  • No annual fee.
Click here for more details and to compare this with other credit card offers.

Citi Rewards+


This card has a shorter introductory period for balance transfers but offers additional day-to-day perks, such as cash back.

How it works: This card offers a 15-month introductory 0% APR on balance transfers. The balance transfer fee is $5 or 3% of the balance, whichever is greater.

More perks:

  • Pay 0% APR on purchases for the first 15 months that you have an account with this card.
  • Get 15,000 bonus points if you spend $1,000 within the first three months of opening your account — worth $150 in gift cards.
  • No annual fee.
Click here for more details and to compare this with other credit card offers.

Citi Double Cash

We recently named this “The Best Cash-Back Credit Card for Everyday Use” since the Citi Double Cash card earns 1% cash back on every purchase, then earns another 1% cash back when you pay for those purchases. But it’s also got a lengthy balance transfer offer.

How it works: Like the Diamond Preferred, this card offers 18 months of 0% introductory APR on balance transfers. Balance transfers don’t earn cash back, and this card charges a balance transfer fee of 3% or $5, whichever is greater.

More perks:

Citi Double Cash credit card
  • Get a total of 2% cash back on every purchase.
  • No limits or caps on cash back.
  • No confusing categories; everything earns cash back.
  • No annual fee.
Click here for more details and to compare this with other credit card offers.

Whatever you need in a credit card — whether it’s reward points, cash back or a low interest rate — you can find it with our credit card search tool. Click here to search for the plastic that best fits your needs.