Citi Simplicity: 0% APR for 18 months
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If you're working your way towards the end of credit card debt or considering a big ticket purchase, get a 0% interest rate on purchases and balance transfers for 18 months via the Citi Simplicity MasterCard. Carrying a balance beyond the first 18 months will get expensive because the APR returns to a relatively normal 12.99%-21.99%, depending on your creditworthiness. There is no annual fee but there is a balance transfer fee of 3%, which is fairly standard for this type of offer and acceptable given the long 18 month term. Annualized over 18 months the 3% fee plus the 0% rate works out to about 2%, which is a big difference if you're paying high interest right now!