0% APR Balance Transfer Guide
Move high-interest credit card debt to a balance transfer card and potentially save money during a 0% APR intro period.
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Good for transferring debt and paying it down during a no-interest promotional period.
Good for users who want to reduce upfront balance transfer costs when moving debt.
Good for borrowers who need more time to pay off transferred balances.
A balance transfer credit card lets you move debt from one credit card to another. Many balance transfer cards offer a 0% intro APR period, which can help you pay down debt without adding new interest during that promotional window.
You apply for a balance transfer card, move eligible balances, and then make monthly payments during the intro APR period. If the balance is not paid off before the promotional period ends, the regular APR may apply.
Many cards charge a balance transfer fee, often a percentage of the amount transferred. A card with a longer 0% APR period may still be worth it, but you should compare the fee, intro period, and regular APR before applying.
Divide your transferred balance by the number of months in the 0% APR period. That gives you a monthly payoff target before interest begins.
Use a 0% APR period to reduce interest and pay down debt faster.
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