Citi Diamond Preferred

The Diamond Preferred is a balance transfer card first and last: 21 months of 0% intro APR on balance transfers, with no annual fee. That is one of the longer transfer runways available, which is why it ranks #5 on our Best 0% APR Credit Cards list, and it gives you close to two years to pay down existing debt without interest. Purchases get a shorter 12 months at 0%, so it is less suited to financing a big new expense than to clearing an old one. The tradeoff is that the card earns no rewards at all, and it charges a foreign transaction fee, so there is little reason to use it once the intro window closes. Open it for the transfer, make a payoff plan that fits inside 21 months, and keep a rewards card for everyday spending.