While the Upgrade card does not technically support balance transfers, there’s an easy workaround: Simply have your funds deposited to your bank account, pay off your existing debt and then pay off your Upgrade card balance over time according to your account’s installment terms.  While you won’t be able to completely avoid interest charges as you would with a zero percent intro APR, you could still save a ton if the APR you’re offered on the Upgrade card is much lower than the rate on your current credit card.