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 months. 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.