An ongoing annual percentage rate (APR) on balance transfers will apply to any balance transferred from one card to another. If your credit card offered an introductory rate, then once it has expired the ongoing, or regular APR will apply. Credit cards may have a different APR for balance transfer than for purchases; often each card carries a separate APR for cash advances, purchases and balance transfers. APRs for cash advances are always the highest, and balance transfers may carry a lower APR. The terms and conditions on your credit card statement will always list the ongoing APR for balance transfers.