CREDIT CARDS · KINJACredit Cards· Cover№ 282
The Best Balance Transfer Credit Cards Are a Bet on Yourself, Not the Card
The 0% intro APR is real. The CFPB's December 2025 report shows promotional-rate cards exhibit higher long-term balances than non-promotional ones. The product only works for the borrower who has already fixed the spending pattern that put the balance on the original card.
Marcus Williams·12 min
