A balance transfer moves existing card debt to a new card, usually to get a low or 0 percent introductory rate for a limited time. Whether that saves money depends on the transfer fee, the length of the promotional window, and whether you can realistically pay the balance down before the regular rate starts. This category is small for now, with one article and a guide, and it is written for people who already carry a balance and want to judge an offer honestly.
Where to start
- When is a balance transfer card actually worth it? Read this first to check whether a transfer fits your situation at all.
- Balance transfer offer guide The parts of an offer, how types compare, and a checklist to run before you apply.
To put your own numbers in, use the balance transfer cost calculator. If your balance exists because rewards spending got out of hand, the rewards cards guides cover how to avoid repeating it.