Longest 0% APR Credit Cards

If you’re currently paying astronomical credit card finance charges, which is pretty much a given if you’re carrying a credit card balance without a promotional introductory rate, you may want to consider a credit card balance transfer.

Most credit card balance transfers come with 0% APR for a certain period of time, whether it be as short as six months or as long as 21 months.

Picking a 0% APR credit card based on the length of the 0% promotional credit card APR is very important, especially if you’ve got a sizable credit card balance that’s going to take some time to pay down.

Why go with a credit card that only offers 0% APR for 12 months when you can get a credit card that offers 0% APR for 21 months?

Let’s look at a 0% APR credit card example:

Current credit card debt: $2,500 @ 20.99% APR
Monthly finance charges: $44
0% APR for 21 months: no interest charged during this period

If you continued to carry a $2,500 credit card balance, you’d be hit with roughly $44 in interest charges each month, which is more than $500 annually. Why subject yourself?

That additional interest will also make it more difficult to pay off your credit card debt in full.

If you transferred the debt to a 0% APR credit card, you’d avoid interest for however long the promotional period lasts, which could be nearly two years!

That said, here are the “longest 0% APR credit cards” currently available to consumers:

Longest 0% APR Credit Cards