Credit & Cards · Balance Transfer
Does the 0% offer beat the fee?
A transfer fee is paid up front; the 0% intro is temporary. This compares the interest you'd pay staying put against the fee-plus-interest of transferring — and flags whether you clear it before the intro window closes.
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Inputs
Receipts
Net saved by transferring
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Transfer fee
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Interest if you stay
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How this is calculated
fee = balance × fee_%, added to the transferred balance.- Transferred balance amortises at the intro APR for the intro window, then reverts to the current APR.
saved = stay_interest − (transfer_interest + fee)
Read me
- Assumes a fixed monthly payment, no new spending, and reversion to the current APR after the intro window.
- Educational estimate, not financial advice. Check each card's exact fee and reversion terms.
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