Three credit cards stand out for balance transfers with 0% introductory APR for 21 months: Citi Diamond Preferred, Wells Fargo Reflect, and Chase Slate. Citi Diamond Preferred offers the lowest balance transfer fee at 3% for the first 4 months, ideal for minimizing transfer costs. Wells Fargo Reflect matches the 21-month 0% APR on both purchases and balance transfers but charges a higher 5% transfer fee, plus it offers cellphone protection. Chase Slate also offers 21 months 0% APR on purchases and transfers with useful purchase and travel protections, making it a good choice for building credit history with Chase. All three have no annual fees and cater to those aiming to reduce debt without paying interest for nearly two years.
