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What rate does my balance transfer revert to?

Find out what happens when the promotional offer ends.

Updated

Fact checked

A balance transfer credit card with a promotional offer can be a great way to repay your debt without interest. Once your promotional period ends, however, the revert rate — usually the purchase or cash advance rate — kicks on any remaining balance, ranging from around 14% to 26%.

How do I tell what my revert rate is?

You can find your card’s revert rate in your credit card terms and conditions. You’ll find this rate in the section detailing your intro balance transfer APR details.
interest rates chart

When will I have to pay the revert rate?

If your balance transfer credit card comes with a promotional offer, the 0% or low interest intro on balance transfers will only be available for a set period of time — usually between six to 21 months, depending on the card and offer.

Once this promotional offer ends, you’re required to pay the revert rate on any remaining balances. This is the standard purchase rate or cash advance rate, and it’s usually much higher than the promotional rate.

Before applying for a balance transfer credit card, check the terms and service statement for what the revert rate range is and when it kicks in. Consider the amount of debt you have, the length of the promotional offer and how much you’ll have to pay each month to pay off the entire debt before the revert rate rolls in.

Can I extend the promotional interest rate?

You could. If you negotiate with the credit card company before you open a new account with a promotional period, you could try to get it extended — for example negotiate a 0% intro APR from 12 to 21 months. It never hurts to ask.

However, if you’ve already made the transfer and your promotional time is almost up, it’s harder to negotiate a longer 0% promotional period. Credit card companies offer 0% promotional periods to hook you into getting the card. They aren’t motivated to keep you at a 0% intro APR when the revert rate is right around the corner.

So, what can you do if you’re at the end of your promotional period and still have a balance? If you’ve been a loyal customer who consistently makes on-time payments, you could try to negotiate a lower revert rate by expressing interest in transferring your balance to another provider. Credit card companies can’t make money if they lose customers.

Can I transfer the remaining balance onto another card?

You can typically make a second transfer as long as it’s not with the same card issuer.

Though there are no restrictions, transferring your debt on to yet another card could hurt your credit score. Every time you apply for a new card, a hard pull is done on your credit, which lowers it by a few points. Also consider if the entire transfer, plus fees, will exceed the limit of a new card.

Our pick for a balance transfer credit card

Citi® Diamond Preferred® Card

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Compare balance transfer revert rates

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$5 or 3% of the transaction, whichever is greater
740
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Citi® Double Cash Card
0% intro for the first 18 months (then 13.99% to 23.99% variable)
$5 or 3% of the transaction, whichever is greater
740
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Citi Rewards+℠ Card
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$5 or 3% of the transaction, whichever is greater
740
Earn rewards and enjoy a long intro APR period on purchases and balance transfers.
TD Cash Credit Card
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$5 or 3% of the transaction, whichever is greater
680
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from creditcards.com
See issuer's website
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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Compare up to 4 providers

Bottom line

Balance transfers can help you consolidate your debt and get you on your way to being debt free. Finding a 0% balance transfer card can be a gift, as long as you pay off the debt before the period is over. To avoid paying the revert rate, do the math and make regular monthly payments.

Before deciding on a balance transfer card with a 0% intro APR, explore your options.

Frequently asked questions

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