Balance Transfer
Guide
See how much you could save by moving high-interest debt to a 0% APR card. We factor in transfer fees, promo period length, and your payoff timeline.
How it works
Calculate your savings
Use our bank-accurate simulator to see exactly how much interest you will save with a 0% APR transfer.
Compare card offers
We analyze 156+ credit cards to find the one with the lowest transfer fees and longest 0% durations.
Move your balance
Step-by-step guidance on how to transfer safely, what to watch out for, and how to avoid the mistakes that cost people thousands.
Questions about balance transfers
Will a balance transfer hurt my credit score?
A hard inquiry from the new card application may drop your score a few points. That usually recovers within a few months, and the lower utilization from moving the balance typically pushes it higher than before within 3-6 months.
Is there a fee for transferring?
Most cards charge between 3% and 5% of the total balance transferred. Our calculator accounts for these fees automatically to show you the "net" savings.
Can I transfer between cards from the same bank?
Usually not. Most banks (like Chase or Amex) do not allow you to transfer debt between their own cards. We help you identify the best "cross-bank" options.