Balance Transfer Credit Cards: How To Move Debt and Save on Interest

A balance transfer moves debt to a lower-APR card so you can pay it off faster. Learn how balance transfers work, what they cost and when they're worth it.

Depending on the card issuer, a balance transfer might only take a few days. Or it could take several weeks.

You are usually not limited to a specific number of balances you can transfer to a card with a 0% introductory APR — it’s the card’s credit limit that matters.

A balance transfer can make credit card debt easier to pay off by reducing interest charges, but it only works if the benefits outweigh the costs.