0% APR Balance Transfer for 18 Months

In early 2008, a handful of credit cards offered a 0% APR for 15 Months on purchases and/or balance transfers. In 2009, credit card companies drastically reduced 0% introductory periods, with many offers being slashed to as little as 6 months and no major credit card company offering 0% for 15 month deals, let alone a 0% APR for 18 months.

Recently, credit card companies have begun offering 0% interest rates for longer durations and the availability of credit cards offering a 0% APR for at least 12 months on purchases and/or balance transfers has increased. However, Citibank balance transfer credit cards now offer the longest 0% rates. One of their cards, the Citi Platinum select, offers a 0% Intro APR on balance transfers for 18 months. The Citi Dividend card offers a 0% Intro APR on balance transfers 15 months. The Discover More Card, which I consider to be the best balance transfer offer, also provides a 0% intro APR on balance transfers for 15 months.

Below you can review details of current balance transfer offers that provide 0% introductory APRs for 15 or 18 months and apply online for approval.

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*Important Disclaimer: See credit card applications for complete terms and conditions. While Smart Balance Transfers makes reasonable efforts to maintain accurate information, all credit card information is presented without warranty. When you click an “Apply” button, you can review the credit card terms and conditions on the issuing company’s website.