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Best balance transfer credit cards 2024A 0% introductory APR offer on a credit card can save money by having all your payments go toward knocking out the principal balance instead of. Balance transfer cards can help you pay off your debts faster because you save on interest payments. Compare cards and get 0% interest for up to 30 months. For most cards, the 0% period is only reserved for balance transfers that are made within the first 60 or 90 days � though always check your card for its time.