When the 0% introductory APR period on a balance transfer credit card ends, the remaining balance starts accruing interest at the card's regular variable APR, which averages around 21%. The card remains open with the same credit limit, and you can continue using it normally. Consumers with good credit can apply for another balance transfer card to get a new 0% APR period, potentially extending their interest-free repayment window. Cards like the Citi® Diamond Preferred® and Wells Fargo Reflect® offer long 0% intro APR periods (up to 21 months) and no annual fees, providing options to manage debt effectively without immediate interest charges. Importantly, balance transfer cards do not charge retroactive interest on balances paid off during the intro period, unlike some store cards with deferred interest policies.
