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Drowning in credit card interest? A 0% APR balance transfer card lets you move your debt and pay it down interest-free. Here are the longest and best offers available.
Last updated: April 2026
🏆 Our Top 3 Picks
- Citi Simplicity — Longest 0% APR (21 months)
- Wells Fargo Reflect — Up to 21 months with on-time payments
- BankAmericard — 18 months, no-frills payoff card
Citi Simplicity® Card
Citi
Best for: Longest 0% APR period
21 months at 0% APR on balance transfers and 12 months on new purchases. No late fees ever, no penalty APR. If you have $5,000 in high-interest debt, transferring here saves you roughly $1,500+ in interest over the promo period. The 3% transfer fee ($150 on $5,000) is a small price to pay.
Pros
- Industry-leading 21-month 0% APR
- No late fees ever
- No penalty APR
- $0 annual fee
Cons
- No rewards program
- 3% balance transfer fee
- Requires good credit (670+)
Wells Fargo Reflect® Card
Wells Fargo
Best for: Flexible 0% period
Start with 0% APR for up to 21 months on purchases and qualifying balance transfers made within 120 days. The intro transfer fee is 3% for the first 120 days (then 5%). Cell phone protection is an unexpected bonus for a balance transfer card.
Pros
- Up to 21 months at 0% APR
- Lower 3% transfer fee (first 120 days)
- Cell phone protection included
- $0 annual fee
Cons
- Transfer fee jumps to 5% after 120 days
- No rewards
- Must make on-time payments to keep full promo period
BankAmericard® Credit Card
Bank of America
Best for: Simple debt payoff
Straightforward 18 months of 0% APR on balance transfers. No rewards, no gimmicks — just a tool to pay off debt without interest. If you’re a Bank of America customer, the app integration makes tracking your payoff easy.
Pros
- 18 months 0% APR
- Low 3% transfer fee
- $0 annual fee
- Great Bank of America app integration
Cons
- Shorter promo than Citi/Wells Fargo
- No rewards
- No welcome bonus
Balance Transfer Math: Is It Worth It?
Let’s say you have $5,000 in credit card debt at 24.99% APR:
- Without transfer: Paying $250/month = 25 months to pay off, $1,560 in interest
- With Citi Simplicity (21 mo, 3% fee): $150 fee + $0 interest = save $1,410
The transfer fee almost always pays for itself. The key is making a payment plan and sticking to it: $5,000 ÷ 21 months = ~$238/month to be debt-free before the promo ends.