5 Best Credit Card with the Longest Balance Transfer: How to Save Money on Interest

If you’re looking for a credit card with the longest balance transfer period, you’ve come to the right place. In this blog post,

we will discuss the credit cards that offer the longest balance transfer periods.

We will also provide information on how to take advantage of these offers. So, if you’re looking to save money on your credit card debt, keep reading!


What is a credit card with a long balance transfer period?

At its simplest, a balance transfer is where you move your credit card debt from one provider to another. But if you’ve never done it before, the whole process can feel a bit daunting. After all, you’re trusting a new company with your hard-earned cash.

However, if you research your options and choose a reputable provider, balance transfers can be an excellent way to save money on interest and pay off your debt faster.

Most balance transfer deals last between three and 24 months. However, some providers are now offering extended periods of up to 36 months.

This gives you longer to clear your debt without accruing any interest.

However, it’s important to remember that balance transfer deals usually come with a fee. This is typically around 3% of the total amount transferred. So, if you’re transferring a balance of $5,000, you can expect to pay a fee of $150. While this may seem like a lot, it’s important to compare it to the interest you’ll accrue over the same period.

If you’re paying 20% APR on your current card, you’ll rack up interest charges of $1,000 over 12 months. As such, even with the balance transfer fee, you’ll still be $850 better off.

It’s also worth noting that some credit cards come with 0% balance transfer periods. However, these deals are usually only available for a limited time (typically six to 21 months). After the introductory period ends, you’ll typically revert to a higher APR. As such, it’s important to make a plan to pay off your debt before the 0% period ends.

Otherwise, you could find yourself in a worse position than you were in before.

Now that we’ve answered the question “what is a credit card with the longest balance transfer period?”, let’s take a look at some of the best offers currently available.

Credit_Card with the Longest Balance Transfer
Credit_Card with the Longest Balance Transfer

List the best credit cards with the longest balance transfer periods

Here are the credit cards with the longest balance transfer periods currently available:

#1. Suntrust Prime Rewards Credit Card 

There are plenty of credit cards on the market that offers balance transfer periods, but not all of them are created equal. If you’re looking for a card with a long balance transfer period, the Suntrust Prime Rewards Credit Card is a great option.

This card offers 36 months of interest-free financing on both balance transfers and purchases. Plus, there are no annual fees or foreign transaction fees, so you can use your card anywhere in the world without having to worry about hidden charges.

And if you’re looking for a way to earn cash back, this card enables you to do so with unlimited earning potential.

So if you’re searching for a credit card with a lengthy balance transfer period, the Suntrust Prime Rewards Credit Card is definitely worth considering.

Features and Benefits:

  • 36 months of interest-free financing on balance transfers and purchases
  • No annual fee or foreign transaction fees
  • Earn cash back with unlimited earning potential

However, this credit card is not available for new Customers. Existing customers can still enjoy the features and benefits.

#2. U.S. BANK VISA PLATINUM CARD

Looking for a credit card with a long balance transfer period? Look no further than the U.S. Bank Visa Platinum Card. For a limited time, enjoy 0% APR on purchases and balance transfers for 24 billing cycles.

That’s two full years without interest! Plus, there’s no annual fee. With the U.S. Bank ExtendPay Plan, you can divide large purchases into fixed monthly payments and pay no interest.

And with the mobile app, you can view your credit score anytime, anywhere. Plus, receive up to $1,200 of annual coverage for damage or theft when you pay your monthly cell phone bill with your card.

Features and Benefits:

  • 0% APR on purchases and balance transfers for 24 billing cycles
  • No annual fee
  • Mobile app to view credit score and receive up to $1200 in annual coverage for damage or theft.

U.S. Bank is currently offering a great deal on their credit cards. New customers can enjoy 0% APR on purchases and balance transfers for 24 billing cycles. So if you’re looking for a credit card with a long balance transfer period, the U.S. Bank Visa Platinum Card is definitely worth considering.

#3. Citi® Diamond Preferred Card

Credit card companies are constantly vying for new customers by offering 0% Intro APR periods on balance transfers. However, not all balance transfer offers are created equal.

Some credit cards only offer 0% Intro APR for a few months, while others extend the interest-free period to over a year.

If you’re looking for the longest 0% Intro APR period on balance transfers, you’ll want to consider the Citi® Diamond Preferred Card.

This card offers 0% Intro APR on balance transfers for 21 months. That means you can transfer your balances from other high-interest credit cards and save on interest payments for nearly two years.

Plus, there’s no annual fee and balance transfers have a low 5% fee. Just be sure to complete your balance transfers within 4 months of account opening to take advantage of the introductory offer.

Features and Benefits:

  • 0% Intro APR on balance transfers for 21 months
  • No annual fee
  • A low balance transfer fee of just 

The Citi® Diamond Preferred Card is currently offering the longest 0% Intro APR period on balance transfers. So if you’re looking to save on interest payments, this is the credit card for you.

#4. Citi Simplicity® Card

If you’re looking for a credit card with a long 0% APR period for balance transfers, the Citi Simplicity® Card is a good option to consider.

This card offers 0% Intro APR for 21 months on balance transfers, which is one of the longest periods currently available. There’s also no annual fee, making it a good choice for people who want to save money on interest payments.

However, it’s important to note that balance transfers must be completed within 4 months of account opening in order to take advantage of the 0% APR offer.

Additionally, there is a balance transfer fee of either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.

So if you’re planning on transferring a balance, be sure to take this fee into account.

Overall, the Citi Simplicity® Card is a good option for people who are looking for a long 0% APR period and don’t mind paying a balance transfer fee.

Features and Benefits:

  • 0% Intro APR on balance transfers for 21 months
  • No annual fee
  • A balance transfer fee of either $0 or 

The Citi Simplicity® Card is a good choice for people who are looking to save on interest payments. With a long 0% APR period and no annual fee, this card can help you save money.

#5. Wells Fargo Reflect℠ Card

Wells Fargo Reflect Visa Credit Card
Wells Fargo Reflect Visa Credit Card

If you’re looking for a credit card with a longer 0% APR balance transfer period, the Wells Fargo Reflect Card is a great option. With 18 months of 0% APR on purchases and qualifying balance transfers, you can take your time paying off your debt without accruing any interest.

Additionally, if you make on-time minimum payments during the intro and extension periods, you may be eligible for an intro APR extension of up to 3 months. After that, you’ll have a variable APR of 13.74% to 25.74%. ‘

Keep in mind that balance transfers made within 120 days of account opening will qualify for the intro rate and fee. There’s also no annual fee, making this an ideal card for those who are trying to save money while paying off their debt.

Plus, you’ll get $600 of cell phone protection and Zero Liability protection with this card.


How to choose the best credit card for you

It can be difficult to choose the best credit card for your needs. With so many different offers and terms available, it can be hard to know where to start.

Here are some things to consider when choosing a credit card:

  • What is your credit score?
  • How much debt do you have?
  • What is your monthly budget?
  • What are your financial goals?

Once you’ve answered these questions, you’ll be able to narrow down your options and choose the best credit card for your needs.


FAQs about credit cards about balance transfer credit

  1. What credit card has the longest balance transfer?

    U.S. Bank Visa Platinum Card is currently offering the longest 0% APR period on balance transfers. So if you’re looking to save on interest payments, this is the credit card for you.

  2. Is there a fee for balance transfer credit cards?

    There is typically a fee for balance transfer credit cards. The fee is either a flat rate or a percentage of the amount being transferred

  3. Are balance transfers only for credit cards?

    Balance transfers can also be used with other types of credit, such as personal loans or student loans. So if you’re looking for a way to pay off your debt more quickly, a balance transfer may be a good option for you.

  4. Can I keep transferring credit card balances?

    Yes, you can keep transferring credit card balances as long as you remain within the card’s credit limit. And remember, it’s important to make on-time minimum payments in order to avoid late fees and penalties.

  5. What is the best way to use balance transfer credit cards?

    The best way to use balance transfer credit cards is to transfer the balance of a high-interest credit card to a card with a lower interest rate. This will help you save money on interest payments and pay off your debt more quickly.

Leave a Comment