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Calculator

Balance transfer savings calculator

Compare staying put against transferring. We include the transfer fee up front, because that's where most of the "savings" quietly go.

Estimated savings
$1,800
Interest avoided, minus the transfer fee
Payoff timeline
21 months
27 months if you stay put
Transfer fee cost
$195
3% of $6,500, added to the balance
ScenarioAPRInterest paidFeesTotal costMonths
Keep current card24.99%$1,995$0$8,49527
Transfer balance0.00% intro$0$195$6,69521

Recommended balance transfer cards

Atlas Bank
Atlas Everyday Cash
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Cash back

Atlas Everyday Cash

Flat-rate cash back with nothing to activate or track.

0% intro APR for 15 months on purchases and balance transfers · transfer fee 3% intro, then 5%

Purchase APR
19.24%–29.24% variable
Annual fee
$0
Balance transfer fee
3% intro, then 5%
Foreign transaction fee
3%
Rewards
2% cash back on every purchase, no categories, no caps

Intro offer: $200 cash bonus after qualifying spend — estimated value $200, requires $500 in spend within 3 months.

Intro APR: 0% for 15 months on purchases and balance transfers, then 19.24%–29.24% variable.

  • No annual fee
  • Simple flat 2% on everything
  • 15-month 0% intro APR
  • 3% foreign transaction fee
  • No bonus categories to accelerate earning
Compare this cardAbout Atlas Bank

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Northline Financial
Northline Zero Balance Transfer
•••• •••• •••• 0000
Balance transfer

Northline Zero Balance Transfer

A long runway to clear a balance without interest piling on.

0% intro APR for 21 months on balance transfers, 12 months on purchases · transfer fee 3% (min $5) on transfers in first 120 days

Purchase APR
18.49%–28.49% variable
Annual fee
$0
Balance transfer fee
3% (min $5) on transfers in first 120 days
Foreign transaction fee
3%
Rewards
No rewards program — built purely for interest savings

Intro APR: 0% for 21 months on balance transfers, 12 months on purchases, then 18.49%–28.49% variable.

  • 21 months of 0% intro APR on transfers
  • No annual fee
  • Free monthly credit score
  • No rewards
  • Transfer must post within 120 days
  • 3% transfer fee applies
Compare this cardAbout Northline Financial

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Northline Financial
Northline Market 5%
•••• •••• •••• 0000
Cash backRewards

Northline Market 5%

Grocery-forward cash back for households that cook.

0% intro APR for 12 months on purchases · transfer fee 5% (min $5)

Purchase APR
19.99%–29.99% variable
Annual fee
$0
Balance transfer fee
5% (min $5)
Foreign transaction fee
3%
Rewards
5% at grocery stores (on up to $6,000/yr), 3% online, 1% everywhere else

Intro offer: $250 statement credit after qualifying spend — estimated value $250, requires $1,500 in spend within 3 months.

Intro APR: 0% for 12 months on purchases, then 19.99%–29.99% variable.

  • Strong 5% grocery rate
  • No annual fee
  • 3% online shopping rate
  • $6,000 annual grocery cap
  • No travel protections
  • Foreign transaction fee
Compare this cardAbout Northline Financial

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Harbor Trust
Harbor Flex Business
•••• •••• •••• 0000
BusinessRewardsCash back

Harbor Flex Business

Category flexibility for small teams with lumpy spend.

0% intro APR for 12 months on purchases · transfer fee 4% (min $5)

Purchase APR
20.49%–27.49% variable
Annual fee
$0
Balance transfer fee
4% (min $5)
Foreign transaction fee
None
Rewards
3% in a category you choose each quarter, 1.5% on everything else

Intro offer: $900 in statement credits after qualifying spend — estimated value $900, requires $7,500 in spend within 3 months.

Intro APR: 0% for 12 months on purchases, then 20.49%–27.49% variable.

  • Free employee cards
  • Choose your own 3% category
  • No annual fee
  • High required spend for the bonus
  • Business documentation required
Compare this cardAbout Harbor Trust

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Harbor Trust
Harbor ClearPath Transfer
•••• •••• •••• 0000
Balance transferCash back

Harbor ClearPath Transfer

Pay down a balance now, earn cash back after.

0% intro APR for 18 months on balance transfers and purchases · transfer fee 3% (min $5)

Purchase APR
17.99%–27.99% variable
Annual fee
$0
Balance transfer fee
3% (min $5)
Foreign transaction fee
3%
Rewards
1.5% cash back on all purchases once the intro period ends

Intro APR: 0% for 18 months on balance transfers and purchases, then 17.99%–27.99% variable.

  • 18 months 0% on transfers and purchases
  • Lowest ongoing APR floor in our set
  • No annual fee
  • Modest rewards rate
  • 3% transfer fee
  • Foreign transaction fee
Compare this cardAbout Harbor Trust

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Illustrative cards & advertiser disclosure. LendingHookup is a comparison experience. The cards, issuers, rates and offers currently shown are illustrative examples, not live offers. We may receive compensation if affiliate offers are added. Rewards and intro values are estimates; required spend, annual fees, transfer fees and variable APRs apply. Approval is not guaranteed. Review the issuer’s current terms before applying.