You’ll typically pay a 3% fee on the balance you transfer but you’ll get a promo rate of zero for up to 21 months depending on the card you pick. The key is to keep making the former payment or more during the promo period so your entire payment goes to principle. Don’t miss any payments and be due to pay on time or you may nuke the benefit. Read the fine print. Also no new purchases while paying off the balance firming the promo period. Check bankrate.com for current transfer offers. A year is actually pretty short. Many cards offer 15-18 months these days and one week in a while you’ll see a 21 month offer