We’re now in the month of April, which — for me, at least — means one thing: Top balance transfer credit cards can officially help you save on interest into 2028. Let me explain.
Let’s say you landed a balance transfer card like the Citi® Diamond Preferred® Card. If you got the card on April 15 of this year, you’d enjoy 0% intro APR until Jan. 15, 2028. That’s one of the longest savings runways you’ll find.
Ready to get the breathing room you need? Here are three credit cards offering 21 months of 0% intro APR now.
1. Citi® Diamond Preferred® Card: Best for balance transfers
The Citi® Diamond Preferred® Card is one of our favorite ways to save on balance transfers. Case in point: It won our award for the Best Balance Transfer Credit Card of 2026.
It comes with 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases. After that, a 16.49% – 27.24% (Variable) APR applies.
If you do get this card, you’ll want to move your balance somewhat quickly. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
That intro balance transfer fee is more or less the lowest you’ll find. There’s also no annual fee to worry about, making the Citi® Diamond Preferred® Card one of the best ways to save on interest, period.
2. Wells Fargo Reflect® Card: Best for interest of all kinds
The Wells Fargo Reflect® Card (rates and fees) is another award winner — we named it the Best 0% Intro APR Credit Card of 2026. In exchange for a higher balance transfer fee than the Citi® Diamond Preferred® Card — 5%, min: $5 — you’ll get an extra-long intro APR on balance transfers and purchases.
For a $0 annual fee, you’ll get:
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (after that, a 17.49%, 23.99%, or 28.24% Variable APR applies)
- Up to $600 of cellphone protection when you pay with your card
The Wells Fargo Reflect® Card is one of the best savings double-whammies you can find. If you’re looking to save on both existing debt and upcoming purchases, you can’t do much better. As always, just make sure you pay off your balance before your intro period ends to avoid the ongoing variable APR.
3. Chase Slate®: A new and improved contender
After a few years off the market, the Chase Slate® (see rates and fees) made its dramatic return a few months ago — and it’s already turning heads.
That’s because it comes with a 0% Intro APR on Purchases and Balance Transfers for 21 months. After that, a 18.24% – 28.24% Variable APR applies. There’s a balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
That’s more or less the same terms as the Wells Fargo Reflect® Card, only with a slightly higher variable APR (and no cellphone protection). Still, it’s another great way to save on high-interest debt and upcoming big buys.
It’s worth noting that all three of the cards on this list have no splashy perks or earning rates. They’re all laser-focused on offering some of the longest intro APRs out there.
My take, though? If you’re in serious debt, getting rid of it should be your top — or only — priority. And the Chase Slate® is the newest great way to do it.