18 Month Zero Interest Credit Card

With the 3 000 balance transfer example the savings would be a similar 765. With an 18 month interest free credit card those payments would eliminate the balance in 18 months with zero finance charges added. The citi double cash card offers a 0 introductory apr on balance transfers for 18 months along with a 5 or 3 whichever is greater balance transfer fee.

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With the platinum card you can enjoy the everyday convenience of a non rewards card while saving on interest and paying down your other credit card balances faster.

18 month zero interest credit card. Image courtesy of greenpath. That means you ve saved nearly 700 while paying your debt off sooner. After that the variable apr will be 13 99 23 99 based on your creditworthiness. Once the offer ends you pay interest each month for any remaining balance.

0 intro apr for 18 months on purchases from date of account opening and 0 intro apr for 18 months on balance transfers from date of first transfer. It offers 0 intro apr for 18 months on purchases and qualifying balance transfers. The offers in the marketplace range widely from 6 months to 18 months which means you can pay no interest into 2022. If you make monthly payments of 222 22 you ll pay that debt off in 22 months including 684 09 in interest charges.

You pay 94 28 per month for 18 months until the debt is repaid. If you need a 0 intro apr credit card wells fargo platinum card from our partner wells fargo is an ideal no annual fee 0 intro apr visa card with a long introductory period. A 0 apr credit card offers no interest for a set amount of time usually 12 to 21 months. After that the variable apr will be 14 74.

Balance transfers do not earn cash back. After the intro period a variable apr of 13 99 23 99 will apply based on your creditworthiness. Introductory 0 00 apr for the. During the intro 0 apr period you won t be charged interest on new purchases or balance transfers.

The total interest paid would be 197 12. Compare and save with credit cards that offer no interest on purchases for up to 15 months and 0 p a. 0 intro apr on balance transfers for 18 months. To earn cash back pay at least the minimum due on time.

However you d save this entire 197 12 if you made the purchase on a 0 apr credit card with an 18 month introductory 0 apr period. As wonderful as such a promotion may seem it makes best sense to pay off the balance before the offer ends to avoid interest charges. On balance transfers for up to 26 months.