The promo length is only one variable
Balance-transfer cards often charge a percentage fee on the amount moved, and transfers usually must be completed within a defined window to receive the promotional rate. Purchase promotions can have a different duration from balance-transfer promotions.
Citi Simplicity currently advertises 0% for 21 months on balance transfers and 12 months on purchases, with transfers completed within four months. Discover it Cash Back currently advertises 0% for 15 months on purchases and balance transfers. Bank of America currently lists BankAmericard with a 21-billing-cycle intro period.
Build the payoff plan first
Divide the amount you need to repay by the number of promotional months, then add a cushion so the balance is cleared before the standard variable APR applies. If that payment is unrealistic, the card does not solve the underlying affordability problem.
Do not confuse 0% with free
A balance-transfer fee can create an immediate cost, late or missed payments can have consequences under card terms, and any balance remaining after the promotion is subject to the ongoing APR. Always read the current pricing disclosure before applying.
Use the Plandime calculator
A borrowing decision is easier to judge when you compare the monthly payment with the total cost.
Open calculator →Questions people ask
Does a 0% APR card mean I pay no fees?
No. A card may still charge a balance-transfer fee or other fees even when the promotional interest rate is 0%.
What happens after the intro APR ends?
Any remaining balance is generally subject to the card’s ongoing variable APR under the current agreement.
Sources checked for this page
- Citi Simplicity current featured terms · Primary source · Checked 2026-08-25
- BankAmericard current product terms · Primary source · Checked 2026-08-25
- Discover it Cash Back · Primary source · Checked 2026-08-25