When moving high-interest debt from one card to a new card with a special introductory APR. Watch out for balance transfer fees, which usually cost 3% to 5% of the total amount transferred. In some cases, a no fee balance transfer can help you save money. You can compare offers with our Credit Card Balance Transfer Calculator.

When you transfer your credit card balances, the goal is to lower the interest so more of your payment goes toward paying down your debt, helping you pay it off faster or lower your monthly payment.

Here at Arbor, we offer plenty of resources to help you make the right decision, including informational blogs, our trusted team of lending experts, and a credit card balance transfer calculator.

While there is no set limit on how much you can transfer, your transfer cannot exceed your credit card's credit limit. So, if you have a $10,000 limit, you won't be able to transfer more than that. If you need a larger credit limit, you can apply for an increase to your line. 

Yes, as long as the combined balance across your other credit cards is within your credit limit, you can transfer from as many cards as you need. 

No, Arbor Financial's Credit Card Balance transfer features NO transfer fees and a 2.99% APR for 6 months.*

If you are applying for a new credit card, an application is required; it includes a hard inquiry on your credit report. If you already have enough available credit on an existing Arbor credit card to cover the transfer amount, a full application is not needed for a balance transfer.

Balance transfers usually take around two weeks to process. Continue to make payments to your other credit card company until the transfer is finished.

Yes, continue making payments on your old card(s) until the transfer officially shows as paid off to avoid late fees.

Your rate will depend on your credit score, but rates at Arbor start at 9.5% for our Advantage card and 12.75% for our Rewards card.**