Balance Transfer Guide
Compare balance transfer cards designed to help you move high-interest debt and pay it down during a 0% APR intro period.
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Good for people who want a strong mix of 0% APR length, manageable fees, and payoff flexibility.
Good for people who need more months to pay off transferred debt before interest starts.
Good for comparing total cost when transfer fees matter as much as the intro APR period.
The best 0 interest balance transfer card depends on the length of the 0% APR period, the transfer fee, the regular APR, and how quickly you can pay down the balance.
A card with a long intro APR period may still charge a transfer fee. Before applying, compare the transfer fee against the interest you would otherwise pay on your current card.
Divide your transferred balance by the number of months in the 0% APR period. That gives you the monthly payment target needed to pay off the balance before interest starts.
If you transfer $4,800 to a card with a 24-month intro period, your target payment is $200 per month, before considering any transfer fee.
Find the card category that fits your payoff plan.
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