Balance transfer cards are often worth it, but this depends on your specific financial situation, current rates, and fees on the credit card, and the terms and conditions of the new card you’re considering. If the balance transfer card comes with 0% APR, 0% balance transfer fees, and $0 annual fees, it could be well worth it to consider it. You could reduce your debt and save money by paying off your balance by the end of the promotional period. However, if the card comes with balance transfer fees and interest rates, you’ll need to consider how much you’ll be saving by applying for it, and if you’ll be saving anything at all.