Longest 0%-intro balance-transfer windows

Ranked by the length of the intro window the issuer states on balance transfers, with the cheaper transfer fee as the tie-break — this is not a recommendation: minimum deposits, direct-deposit and spend requirements differ, and commission is never an input. Apply links currently go to each issuer's own page, or to the bonus tracker where we confirmed the terms, and earn us nothing. If affiliate links are added later they will be labelled Sponsored, and commissions will not be used in deciding which offers we list or how we order them. 1 current offer; the longest stated intro window on balance transfers is 21 months (Wells Fargo Reflect Card). Most recent source check: Oct 15, 2026.