How a Balance Transfer Card Stacks Up Against a Personal Loan for Paying Off Debt

A 0% intro APR beats a 12.31% personal loan—but only if you clear the debt in 12–21 months. Here's how to tell which option actually saves you more money.

A 0% intro APR beats a 12.31% personal loan—but only if you clear the debt in 12–21 months. Here's how to tell which option actually saves you more money.