A balance transfer onto a Wells Fargo card can be worth it, but only if you’re able to save money on interest. If you’re currently carrying a balance on a card with regular interest and your new Wells Fargo card has a 0% APR offer, you could save a fortune on interest.

However, this will only happen if you can pay off some or all of your debt before the 0% APR offer expires. If you don’t make a big dent in your balance, then you may end up spending more in balance transfer fees.