Compare paying a card balance at its current APR with transferring it under a promotional offer. Enter the balance, current and promotional APRs, offer duration, post-promotion APR, transfer fee and monthly payment. The transfer fee is added to the new starting balance; the offer rate applies only for the stated number of months. The estimate assumes no new purchases or other charges. Read the complete issuer terms, including payment allocation and eligibility, before acting on an offer.
Enter the balance and current card APR.
Enter the promotional and later APRs, promotion length and transfer fee.
Enter one fixed monthly payment and compare payoff time and interest in both scenarios.
Transfer fee: Transferred balance × fee percentage
Monthly interest: Opening balance × APR ÷ 12 ÷ 100
Estimated total-cost difference: Current total paid − transfer total paid, including the fee
Is the transfer fee included?
Yes. The estimated fee is added to the transferred balance before monthly payments begin.
What happens after the promotional period?
The model switches to the entered post-promotion APR after the specified number of monthly periods. Check the offer for its exact end date and terms.