Is the transfer fee worth it?

It's worth it when your current interest over the payoff period exceeds the 3–5% fee — which is common on balances above a few thousand dollars at 20%+ APR. The calculator shows the exact number.

What happens after the 0% period ends?

Any remaining balance starts accruing the card's regular APR. The goal is to pay it off within the intro window; the tool splits your payoff across both phases.

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Balance Transfers, Explained: When 0% Actually Wins

A 0% intro balance transfer moves high-interest debt to a card charging no interest for a set window (commonly 12–21 months), usually for a 3–5% upfront fee. It wins when the interest you'd otherwise pay is bigger than the fee AND you can clear most of the balance before the intro ends. Use the payoff tool above to see your exact break-even.

FAQ

Is the transfer fee worth it?: It's worth it when your current interest over the payoff period exceeds the 3–5% fee — which is common on balances above a few thousand dollars at 20%+ APR. The calculator shows the exact number.
What happens after the 0% period ends?: Any remaining balance starts accruing the card's regular APR. The goal is to pay it off within the intro window; the tool splits your payoff across both phases.

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