Moving card debt to a 0% intro window stops the interest while you pay it down. Two numbers decide whether it is worth doing, and neither of them is the APR.
The window. How many months you pay no interest on the transferred balance. Anything still owed on the day it ends starts accruing at the go-to APR, which is usually higher than what you left.
The fee. Typically 3% to 5% of the amount moved, charged up front. On $10,000 that is $300 to $500 added to the balance on day one.
The test. A 3% fee buys you the window. If you are paying 22% APR, three months of interest costs more than the fee, so any window longer than about three months is ahead. The real question is whether you can clear the balance before it closes: divide the balance by the number of months and see whether that payment is one you can actually make.
Two things to know before applying. Nearly all of these require a new card, which is a hard credit pull, and you generally cannot transfer a balance between two cards from the same issuer.
Listed in no particular order. The window and the fee trade against each other, so no single sort picks the right card for everyone. Terms are read from each issuer’s own page on the date shown.
If the balance is too large to clear inside an intro window, or you are consolidating more than card debt, a fixed-rate consolidation loan spreads it over a longer term instead.