Pay 0% APR on Balance Transfers Until September 2021 and Beyond

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Economic hard times are upon us — and if you didn’t see it coming, at least not in the form of a pandemic-induced shock to the global system — you are not alone.

Still, if you come into these uncertain times with balances on high-interest credit cards, it’s time to do something about that. Check out these offers for 0% rates on balance transfers for introductory periods of up to 21 months — and some additional perks, too, depending on your needs. See which one best fits your financial situation and spending habits.

Citi® Diamond Preferred®

Citibank

This card gives you a whopping 21-month runway with a 0% 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 5% of the balance, whichever is greater — and then you get a 21-month introductory period at 0% APR to pay off those balances. That means, as of publication, you have until January 2022 at 0% interest. You can save a lot if you are determined to pay down that balance during the grace period.

Note: After that introductory period, your interest rate will jump up to somewhere between 13.74% and 23.74%, depending on your credit score. So remember, the goal is to have no balance or a small balance by that time.

More perks:

  • Pay 0% APR on purchases on this card made in the first 12 months.
  • No annual fee
Click here for more details and to compare this with other credit card offers.

Citi Rewards+ ℠

Citibank

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.

Note: After that introductory period, your interest rate will jump up to somewhere between 13.74% and 23.74%, depending on your credit score. So remember, the goal is to have no balance or a small balance by the end of 15 months.

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 — good for shopping at Citibank’s shopping portal.
  • No annual fee
Click here for more details and to compare this with other credit card offers.

Wells Fargo Cash Wise Visa®

Wells Fargo

This card combines a solid balance transfer offer with a nice cash-back program and other perks that might be up your alley.

How it works: The Wells Fargo Cash Wise card also offers a 0% APR for an introductory period of 15 months (that would be until the last week of July 2021 if you were approved today). If you make that balance transfer within the first 120 days, the transfer fee is just 3%. (After that, the charge is 5%.)

Note: After that introductory period, your interest rate will jump up to somewhere between 13.99% and 25.99%. So remember, the goal is to have no balance or a small balance by the end of the 15-month introductory period.

More perks:

  • Rack up at least 1.5% in cash rewards on all purchases.
  • Earn 1.8% cash back on qualified purchases made in the first 12 months using a “digital wallet” tool like Apple Pay® or Google Pay™.
  • 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, a balance transfer 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.

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