Credit Card Balance Transfer Calculator: See If a Transfer Can Save You Money
Thinking about a balance transfer? Use this calculator to see if moving your balance to a lower-interest credit card could reduce your payoff time and total interest paid. It’s a smart way to manage debt on your terms. When you're ready, explore low-rate balance transfer credit cards from Westerra designed to help you save.
Visa Credit Cards | APR* |
|---|---|
| Visa Signature Balance Transfer | 3.90% intro rate for first 12 months^ then 13.40%-21.00% variable APR+ |
| Visa Signature Card | 13.40%-21.00% variable APR+ |
| Visa Select Balance Transfer | 1.90% intro rate for first 12 months^ then 11.40%-21.00% variable APR+ |
| Visa Select Card | 11.40%-21.00% variable APR+ |
*APR = Annual Percentage Rate. Introductory balance transfer rate is valid for 12 billing cycles from account origination on balances transferred to a Visa Signature or Visa Select card from other financial institutions. Your APR is the Prime Rate plus a margin of 4.65% - 15.65% for the Visa Select or 6.65% - 17.65% for the Visa Signature based on your credit qualification. APRs will vary with the market based on the Prime Rate. Published APR is effective as of 4-23-2026. Foreign Transaction Fees are 1.00% of the U.S. dollar amount of the foreign transaction for foreign currency conversions and 0.80% of the U.S. dollar amount of the foreign transaction for International Service Fee (ISA). Cash Advance Fee is 2%.
