Best Balance Transfer Credit Cards with Longest 0% APR Period – over 1 Year

The longer 0% APR period is, the greater your savings are, and the wider room to act you have while repaying your credit card debt.
The longer 0% APR period is, the greater your savings are, and the wider room to act you have while repaying your credit card debt.

The smartest way to cope with your credit card debt is to consolidate it on one card account with the lowest rates. Consider some attractive balance transfer promotional offers to save on interest while paying down your credit card debt.

Citi Simplicity®

If you have an excellent credit score and want to get rid of your credit card debt, Citi Simplicity® provides you with a wonderful opportunity for balance transfers – months with no interest at all.

The whole offer sounds even more interesting. Keeping in mind your credit limit, you may transfer balances from your other credit cards with higher interest rates to the Citi Simplicity® account and pay down the total debt at no cost and at your own pace within months. The best part is that the interest is waived not deferred. So, even if you don’t manage to pay down the entire balance before the end of the intro period, interest will be charged only on the unpaid part of your debt.

Please note that the offer has a balance transfer fee equal to % of each transfer. However, this downside is balanced with no fee for late payments. Also, bear in mind that if you want to benefit from the offer, transfer balances within the first four months of account opening.

  • No annual fee;
  • No late fees;
  • No penalty APR increases;
  • Intro APR of on balance transfers for months;
  • Intro APR of on purchases for months.
  • No rewards program;
  • $ or % balance transfer fee whichever is greater.

Citi Simplicity® has the longest introductory offer for balance transfers, pick it if you require more time to pay down your credit card debt.

Citi Diamond Preferred® Card

The Citi Diamond Preferred® Card is another tremendous opportunity for people with an excellent credit score willing to consolidate their credit card debt.

Its balance transfer offer is the same as from Citi Simplicity®: a -month introductory period, a % balance transfer fee and waived interest.

What is different here is that the Citi Diamond Preferred® Card has a little bit lower APR after the intro period and treat its owners as VIPs. Special treatment means that its cardholders may benefit from Citi® Concierge and Citi® Private Pass® services. However, this card charges late fees.

  • No annual fee;
  • Intro APR of on balance transfers for months;
  • Intro APR of on purchases for months;
  • Citi® Concierge service;
  • Citi® Private Pass® service.
  • No rewards program;
  • $ or % balance transfer fee whichever is greater.

All else being equal, pick the Citi Diamond Preferred® Card not Citi Simplicity® if you make payments on time, like going out or need assistance with travel bookings.

Chase Slate®

Chase Slate® opens a tremendous debt consolidation opportunity for its new cardholders with a good to excellent credit score.

This balance transfer promotional offer lasts months and charges neither interest nor balance transfer fees if you transfer balances within the first 2 months of account opening.

  • No annual fee;
  • No fee on balance transfers if made within 60 days of account opening;
  • Intro APR of on balance transfers for months;
  • Intro APR of on purchases for months.
  • No rewards program.

If you’re looking for a no cost solution to consolidate your credit card debt and want to save on interest while paying down your debt, choose Chase Slate®.

Barclaycard Ring™ Platinum MasterCard®

A balance transfer offer from Barclaycard Ring™ Platinum MasterCard® is one of the most cost-effective solutions but it is available only to people with an excellent credit score.

What makes this offer so attractive is no balance transfer fee. Also if you transfer a balance within 1.5 month of account opening, you enter a -month intro period with APR on balance transfers. All together that means that you consolidate and repay your debt without any additional costs. In case you still carry a balance after the end of the intro period, APR will be applied to it.

  • No annual fee;
  • No fee on balance transfers if made within 45 days of account opening;
  • No foreign transaction fee;
  • Intro APR of on balance transfers for months;
  • Regular APR of on purchases, balance transfers and cash advances;
  • Profit sharing feature is available to all the cardmembers.
  • Relatively high approval requirements.

Consolidate your debt and pay it down for months without any interest and any balance transfer fees with Barclaycard Ring™ Platinum MasterCard®.

Discover it® Card

The Discover it® Card is a set of various offers which allow you to save on interest while transferring balances and earn rewards on everyday purchases at the time. The card is available to people with a high credit score only.

The balance transfer offer from the Discover it® Card may look rather modest since it lasts only for months. However, it is accompanied with other promotional offers – months with no interest on purchases and cash back match after the year of using the card. This combination allows you not only to save on interest while repaying your credit card debt, but also earn some cash while making your everyday purchases.

  • No annual fee;
  • No foreign transaction fee;
  • No late fee for the first late payment;
  • Intro APR of on balance transfers for months;
  • Intro APR of on purchases for months
  • Generous cash back program.
  • % balance transfer fee.

If you want to transfer small balances to a single card account with no interest and earn cashback with that same card, the Discover it® Card may be your option.

How we choose our best cards

For this rating we have chosen credit cards with promotional periods for balance transfer offers which last over one year. All of them allow you to save on interest while paying down your credit card debt. These offers are available only to people with a good to excellent credit score. Manage your debt in a smart way!

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