Longest 0% interest credit card

Hello Gothamist. Thanks for your post and welcome to the forum! Sounds like you're on the right track w/ eliminating that debt. If you have the credit for approval (and it sounds like you do), 0 percent balance transfers can save you a ton on interest while simplifying your debt payoff. I'm no psychiatrist, but seeing a monthly dent in your credit card balance is crucial to continue the aggressive payoff.

One card w/ the longest intro period applied to BT's is the Citi Simplicity Card, which offers no interest on BT's or purchases for 18 months. The other cool thing about this card is that it never charges late fees, and never hikes your APR for late purchases. (Not that you want to do that, anyway.) No annual fee, either. Only downside is no rewards program. The Citi Diamond Preferred Card is very similar - no interest for 18 months on BT or new purchases, and no annual fee. Just remember that both these cards charge a 3 percent fee on balance transfers.

The third card that offers 0 interest for 18 months on Bt's is the Discover it - 18 Month Balance Transfer card. This card DOES offer a cash back program, and it's a pretty good one at that. (Their bonus program right now is 5 percent cash back on up to $1,500 in gas station purchases through September when you enroll.) Again, no annual fee and a 3 percent fee to transfer that balance. The only knock is that the intro period on new purchases w/ this card is just 6 months.

Currently, the longest 0 percent balance transfer offers in the US are 18 months. The UK actually has BT cards that go up to 27 months, which is a crazy long time to go interest-free if you think about it. But 1.5 years is certainly a good amount of time to pay down debt interest-free, and there are a few cards that offer such a long intro rate.