Unlike travel cards, a balance transfer card is a credit card specifically focused on encouraging consumers to move their debt. A balance transfer card usually offers a 0% APR for a limited period of time to attract borrowers who are tired of a high interest rate. In many cases, it’s possible to find a balance transfer card that will offer 0% APR on credit card balances for 12, 15, 18 or 21 months. Generally, your new card issuer pays off your debt with the other creditor and you make payments to your new creditor instead.