Updated on July 27, 2026
Pay NoInterestUntil2028
on Citibank's secure site
0% Intro APR for 21 months
on balance transfers, 16.49% - 27.24% (Variable) thereafter.
No Annual fee
Why We Rate This a Top Balance Transfer Card
Balance transfer cards are measured by one standard: time. The Citi® Diamond Preferred® Card, from our partner Citibank, gives you 21 months — enough to pay off debt before interest kicks in.
Key Benefits
- 10% Intro APR - 21 months
One of the longest intro APR periods
0% for 21 months on Balance Transfers, 16.49% - 27.24% (Variable). That takes you to 2028.
- 2$0 annual fee
No annual fee
The card is designed to help you save money, not cost you more.
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Flexible payment options
Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
Balance transfer credit cards are basically measured by a single standard — time. It's all about how much time they give you to pay down debt without interest. By that standard, the Citi® Diamond Preferred® Card, offers one of the longest introductory APR periods available on the market today: 0% for 21 months on Balance Transfers, 16.49% - 27.24% (Variable) thereafter.
Recommended Credit Score
This card is designed for consumers with good to excellent credit, so we suggest having a FICO® Score of 670 or higher to increase your likelihood of being approved. However, some people might qualify with lower scores, and approval is not guaranteed even with a high credit score.
More than just a Balance Transfer Card
One of the longest 0% Intro APR periods on the market is reason enough to say yes to this card. On top of that, Citibank offers a few more perks that make this a must-have among Balance Transfer cards.
What Else You Get
Flex Pay
Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
No annual fee
Designed to save money, not cost it
on Capital One's secure site
Sometimes you simply don't want to pay any more fees on your credit card. The Capital One VentureOne Rewards Credit Card gives cardholders a reprieve from high fees with an APR of 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, 18.49% - 28.49% (Variable) thereafter. Balance transfer fee applies.
Plus, earn 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
on Wells Fargo's secure site
This showstopping offer from Wells Fargo is at the top of the pack when it comes to low interest rates on qualifying balance transfers and purchases. New cardholders receive a whopping 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. That's right – the Wells Fargo Reflect® Card offers nearly two years of interest-free payments on qualifying balance transfers and purchases! The ongoing rate is 17.49%, 23.99%, or 28.24% Variable APR.
That ultra-long intro period could be a lifesaver if you're paying a high interest rate on your current credit card. Even with such a generous low interest offer, the Wells Fargo Reflect® Card has no annual fee, and cardholders will enjoy the added perk of up to $600 of cell phone protection against damage or theft - subject to a $25 deductible.
on Chase's secure site
True to its name, the Chase Freedom Unlimited® credit card offers cardholders freedom from high interest rates with an attractive offer of 0% Intro APR on Balance Transfers for 15 months and 0% Intro APR on Purchases for 15 months, 18.24% - 27.74% Variable thereafter.
Cardholders earn a stellar cash back rate: Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
on Chase's secure site
The Chase Slate® card is a solid choice for anyone looking to save on interest while paying down debt or financing a large purchase, thanks to its 0% Intro APR for 21 months on purchases and balance transfers, followed by a 18.24% - 28.24% Variable APR.
With no annual fee, free credit score access and more with Chase Credit Journey®, and features like access to Chase Pay Over Time for eligible purchases made with your card, it offers practical tools to help manage your finances. While the Chase Slate® card doesn’t offer rewards, its long introductory APR period and helpful benefits make it a great choice for building healthy credit habits and reducing interest costs.
on Bank of America's secure site
If you're suffering under the weight of steep interest rates on your current credit card, the BankAmericard® credit card could be just what you need. This powerful card comes with 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days as well as 0% Intro APR for 21 billing cycles for purchases. That lengthy intro period can provide the breathing room you need to pay down your balances. The ongoing APR is 14.99% - 25.99% Variable APR on purchases and balance transfers, and a fee of 5% of the amount of each transaction applies to all balance transfers.
Paying down your credit card balance can be tough when you see the majority of your payments going toward interest rather than the principal of your balance. But when you transfer your balance to the BankAmericard® credit card, every penny of your payment goes towards the principal of your balance during the intro period. To top it off, this card comes with no annual fee.
on Citibank's secure site
Unlimited cash back and a low intro APR on balance transfers? Must be the Citi Double Cash® Card from our partner Citibank. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
This is the only card that lets you earn cash back twice while also offering an Intro APR of 0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter. It's an excellent choice to pause interest for nearly two years while earning cash back at one of the highest earning rates available.
