Balance transfer APR
Cards & borrowingThe interest rate applied to transferred balances on a credit card.
Overview
Promotional rates may be 0% for a period.
After the promo, the standard rate applies.
Why it matters
- It determines the cost of moving debt.
- It affects how quickly you can repay.
- It can make a transfer more or less worthwhile.
FAQs
Is balance transfer APR the same as purchase APR?
Not always. Cards can have different rates for different types of balance.
Do balance transfer fees apply?
Often yes. Fees are separate from the APR.
Related terms
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