0% Balance Transfer Cards or 18 Months, Which Companies Offer These

You can quickly clear your credit card debts by consolidating them into a balance transfer card that offer a long intro period of 18 months or more. This will give you sufficient time to pay back your credit card debt. The following are 5 balance transfer cards that offer a zero percent intro period for 18 months or more.

1. BankAmericard

BankAmericard offers 0% APR for 18 billing cycles for balance transfers. To take advantage of the 18 months zero APR, you must transfer the balance in 60 days. After the 18 months intro period ends, the APR rate that you will be charged will range from 11.24%-21.24%. It has 3% or $10 minimum balance transfer fee. BankAmericard does not have any rewards point program. Annual fee for BankAmericard is free.

2. Citi Double Cash Card

Citi Double Cash Card offers a 0% APR intro period that last for 18 months for customers who satisfy the requirements. The normal APR rate of 13.24%-23.24% will be charged when the 18 months ends. It charges a one time 3% balance transfer fee everytime you transfer your balance into the account. Cit Double Cash Card does not charge annual fee. Citi Double Cash Card offers 1% cash back for all spending categories.

3. Discover it

Discover it 18 months zero percent intro period is applicable to balance transfers only. Like most balance transfer cards, it charges a 3% balance transfer fee. The 3% one time balance transfer fee will be charged to your balance everytime you transfer funds from an existing card. The interest rate that you will be charged after the intro period ends is in between 11.24% – 23.24%. Discover it Cashback Match program can convert your $200 cash back earning into $400 at year end if you promptly pay all your bills.

4. Citi Simplicity

Citi Simplicity offers 21 months zero percent intro period for balance transfer. After that, the cardholder will be charged with an APR rate from 13.24% – 23.24%. Each time you transfer a balance, you will pay a 3% or $5 minimum balance transfer fee. The card does not charge any late fee, penalty fee and annual fee. Citi Simplicity offers concierge services that is available for 24 hours per day.

5. Citi Diamond

Citi Diamond offers up to 21 months of 0% intro period for customers who want to use the balance transfer feature. The APR rate that you will pay is in between 12.24%-22.24% once the 21 months intro period is over. It automatically charge your account a 3% fee or $5 maximum everytime when some funds are being transferred. Citi Diamond features a 24/7 concierge in which you can get a representative to help you book a hotel or air ticket for free. The card is covered by Citi Identity Theft Solutions. You won’t be accountable for any expenses that is charged by unauthorized purchases.