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If you want to pay off your balance with no interest, you can apply for a balance transfer credit card like the Citi® Diamond Preferred® Card. It offers a 0% interest introductory APR on balance transfers and purchases for 21 and 12 months respectively. The card has no annual fee, but you will have to pay for the balance transfer – 3% of the amount transferred. Make sure you will manage to pay off the transferred amount, make all the payments before the due date. Otherwise your promotional APR will expire and the interest will start accruing again.
You can use our balance transfer calculator
to see how much you can save with a particular card. Enter your current interest and balance and choose a card. Then enter the length of the introductory period or the amount of the planned monthly payment and it calculates your savings.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.