To determine if a credit card balance transfer offer is right for you, consider how much the promotional APR may save you in interest, the standard APR after the promo period ends, the length of the promotional period, the credit limit of the new card, and what the balance transfer fee will be. Decide how much debt you want to transfer to the new credit card. But it's not instant.
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Read MoreBefore you start, you'll need to have a card you can move your balance to. However, it's important to also consider the potential negative implications of any change to your credit card balance. Do balance transfers hurt your credit score? NerdWallet Rating NerdWallet's ratings are determined by our editorial team. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. As an applicant, here are some things to consider when comparing balance transfer cards: Promotional APR period: Longer promotional periods might mean more time to repay high-interest credit card debt without incurring additional interest charges.