Calculate if moving debt to a new card for a low intro rate is worth the transfer fee.
A balance transfer lets you move high-interest credit card debt to a new card with a lower rate (often 0-10% for 6 months). However, you must pay a processing fee (typically 0.5-2%). If you can't pay off the debt within the teaser period, the rate often jumps back to 42%+, making the transfer useless.
Last verified May 2026
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