Best 21 months interest free credit card 2012

All Citibank credit cards that previously was offering 0% APR on balance transfer and purchases for 21 months is now provide zero interest for 18 months. There are no current 21 months interest free credit card offers, 18 months interest free period is the longest intro period is offered at this time.

Citi® Platinum Select® Visa® rates and fees

Intro Rate for Purchase

Intro Purchase Period

Intro Rate for Balance Transfer

Intro Balance Transfer Period

Regular APR

APR Cash Advance

Annual Fee

Balance Transfer Fee

Late Payment Fee

Over the Limit Fee

Cash Advance Fee

Foreign Transaction Fee

Grace Period

Bonus Offer

Citi® Platinum Select® Visa®

0% APR

18 months

0% APR

18 months

11.99% - 21.99%* Variable

25.24%

$0

either $5 or 3%*

Up to $35

None

either $10 or 5%

3%

23 days

None

21 months interest free credit card summary

Citi® Platinum Select® Visa® is offering the longest duration introductory period on purchases and balance transfer, which lasts for 18 months, the APR will be 11.99% - 21.99% after the introductory offer ends. That is a very attractive offer for people who plan to make big purchases or transfer current balance under zero interest. To get the most benefits from this 18 months interest free offer make sure to pay off your balance to the end of the intro period.

The card has no annual fee and doesn't provide any reward programs. However if your goal is to avoid high interest on your current card, save money on big purchase, financing your vocation and so on, then Citi® Platinum Select® Visa® is a great way to do it.

However if you need to transfer balance from a higher rate credit card and there you don't plan big purchase then you may consider applying for Discover More Card 18 Month Promotional Balance Transfer credit card, which, as Citi® Platinum Select® Visa®, offers 0% intro APR on balance transfer with 3% transfer fee, has 0% APR on purchases for 6 months and excellent cash rewards program.

Review rates and feautres of all best 0% APR credit cards. Compare reward programs, rates and fees and apply via online secure application for the best cash back credit card that fits you needs.


The article was updated on 5/14/2012. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies credit card applications.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. Best Credit Cards Online may be compensated through American Express Affiliate Program.

Best Credit Cards Online has financial relationships with some of the cards mentioned here, and Best Credit Cards Online may be compensated if consumers choose to apply for these links in the content, and ultimately sign up for them. We are not compensated for the positive reviews.