If you'd only need a couple of months to pay off your balance even without a transfer, you'll probably be better off leaving it on the current card. Credit card companies are not obligated to remind you when the promotional period ends, which could result in unexpected interest charges if you're not diligent about tracking it. How to do a balance transfer. Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Sign up.
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Read MoreJust answer a few questions and we'll narrow the search for you. During the application process, you may be asked right off the bat whether you want to transfer a balance, and you might be able to start the process right then. The interest you save on a short-duration transfer might actually be less than the transfer fee. During that period by law, at least 21 days but more often its 25 days a cardholder doesn't have to pay interest on new purchases. Of course, that depends on whether you can pay the entire balance transfer off before the promotional interest rate expires.