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Consider the Citi Simplicity card (a Next Advisor advertiser).While there are many other cards with 0% intro APRs, Simplicity provides the longest one we’ve seen – a 21-month 0% intro APR – and it offers a terrific no-fee policy to boot.

This is particularly true if you are planning to make some large or small purchases and want the cushion of a 21-month 0% intro APR to help pay them off without paying any interest.Just make sure to transfer any balances to the card within 4 months of account opening in order to take advantage of the 21-month 0% APR, otherwise you’ll have to pay the standard APR on balance transfers.As an added bonus, Citi Simplicity only requires good credit, which is generally considered to be a credit score above 700.It’s almost like a free (or 0%) loan on purchases you make now, as you won’t have to pay anything for 21 months and if you pay them down completely you won’t pay anything except the actual cost of the purchase.More strong features include the no late fees and no penalty rates.

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