Balance transfer cards let you move debt from one or more existing cards onto a new card with a promotional 0% APR window. The goal is to make the pay-down deterministic rather than watching interest compound in the background.
What this category is good for
- Promotional 0% APR window on transferred balances
- One monthly payment instead of several
- A defined runway to clear existing balances
- Transfer fee and terms vary by card
Who this is for
Readers carrying a balance on a high-interest card who want a time-boxed plan to clear it.