IN, Nice joe.
Jeeves is correct about the tiered applied payments.
Depending on the balance xfer amount, You can make out like a bandit by making small monthly transactions…
Or You could end up paying the same or more on the blended rate. This will really only apply if You are xfering small balances, or make larger monthly transactions, or both.
IOW: Don’t xfer $500 to the 0%/life rate and then make $100 monthly transactions that will accrue @ P+5 if You don’t plan on paying it off in the near future.
edit - if You take up an offer like this, please… DONT close the cards that You are xferring the balances from. For most people on this site (<25 yrs old), You NEED the average age of account to continue for Your score’s benefit.