Advertising Disclosure *Advertising Disclosure: SmartBalanceTransfers.com is an independent, advertising-supported comparison service. SmartBalanceTransfers.com receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. SmartBalanceTransfers.com does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Longest 0% APR Credit Card Offers For March

0-avoid-interestAs winter comes to a close, there are still many great promotional financing offers available from leading credit card issuers. And as applicants compare these offers, they need to keep in mind that one of the most important factors to consider is the length of the promotional financing period.

Here are the cards with the longest length of 0% APR financing:

Citi Simplicity

Simplicity offers 18 months of interest free financing on both new purchases and balance transfers. In addition, it features no late fees, no penalty interest rate, and no annual fee.  The standard interest rate is a variable APR of 12.99% – 21.99%, based on the applicant’s creditworthiness. There is a 3% balance transfer fee and a 3% foreign transaction fee for this card.

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0%* for 18 months*

0%* for 18 months*

12.99% - 22.99% (Variable)*

$0*

Excellent Credit


Citi Diamond Preferred

Citi’s Diamond Preferred card also features 18 months of 0% APR financing on both new purchases and balance transfers. In addition, it offers some extra features usually found on premium reward credit cards such as 24/7 access to a personalized concierge service that provides assistance in booking hotel, flights, concert tickets, and more. Purchase protection and travel insurance policies are included as well. There is no annual fee for this card but there is a 3% balance transfer fee and a 3% foreign transaction fee.

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0%* for 18 months*

0%* for 18 months*

11.99%-21.99% (Variable)*

$0*

Excellent Credit


Discover it

This new Discover product features an offer for 18 months of 0% APR financing on balance transfers, and six months of interest free financing on new purchases. Cardholders also earn 1% cash back on all of their purchases, and 5% cash back on their first $1,500 of spending at eligible categories of merchants that change each quarter. There is no annual fee or foreign transaction fees for this card, but there is a 3% balance transfer fee.

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover 'Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie' by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking 'Apply.'
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 14 months*

0% for 14 months*

10.99% - 22.99% Variable*

$0

Excellent Credit


Chase Slate

Slate is a no frills card that features 15 months of interest free financing on new purchases and balance transfers. Significantly, it is the only card on the market with a 0% APR balance transfer offer and no balance transfer fee. There is no annual fee for this card.

  • Best 0% Offer in 'Crowning 2013's Best Credit Card Offers' (January 14, 2013) -Forbes Online
  • Pay less interest. Save on balances and new purchases
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 15 months*

0% for 15 months*

12.99%, 17.99%, or 22.99% (V)*

$0

Excellent/Good


Chase Freedom Visa

Freedom features 15 months of 0% APR financing on new purchases and balance transfers, but it also offers rewards. Cardholders earn 1% cash back on all purchases, and 5% back on up to $1,500 of purchases from select categories of merchants that change each quarter. There is no annual fee for this card, but there is a 3% balance transfer fee.

  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 — December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
Purchases Intro
Balance Transfers Intro
Regular APR
Annual Fee
Credit Needed

0% for 15 months*

0% for 15 months*

13.99%-22.99% (Variable)*

$0

Excellent/Good


Carefully consider all of these leading offers before choosing the one that works best for your individual needs. That is the key to selecting a credit card that will save you the most money while eliminating the need to seek out a new card once the 0% APR promotion expires.

Editor's Note: This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Citi or any of the other companies whose products are featured in this content.

About the author

Jason Steele

Jason Steele is a freelance journalist specializing in personal finance and travel and is recognized as an expert in credit cards. He is a regular contributor to many of the top personal finance sites such as Wise Bread and Money Talks News. His work has been frequently carried on mainstream news outlets such as MSN Money, Yahoo, Finance, and Business insider.

Jason lives in Denver Colorado with his wife and two daughters.

– has written 328 posts.

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