Balance Transfer Fee Guide
Some balance transfer cards may help reduce upfront transfer costs. Compare card categories carefully before moving debt.
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Best for people who want to reduce the upfront cost of moving a credit card balance.
Best when a card has a small fee but a stronger 0% APR period or better terms.
Best when the longer payoff window may matter more than the upfront transfer fee.
A balance transfer fee is a charge for moving debt from one card to another. It is often a percentage of the amount transferred. Even with a 0% APR offer, the transfer fee can affect your total savings.
A no-fee balance transfer may sound ideal, but not every card offers both a long 0% APR period and no transfer fee. Sometimes a low-fee card with a longer promotional period may be better.
A 3% transfer fee on a $5,000 balance equals $150. Compare that cost against the interest you would pay if you kept the balance on your current card.
Look at fees, APR period, and total payoff cost before applying.
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