A 0% balance transfer could help you clear your credit card balance forever by cutting out interest charges. Here is how to choose the right 0% credit card. Before you even consider moving your balance to another credit card, you need to work out if it's even worth it. However, if you have a small balance, it may cost you more in transfer fees than the interest you currently pay. Start comparing deals when you are paying interest, or about to start paying interest, on your credit card balance.