The answer really depends on if it is of benefit to you and your situation. It might be worth paying some fees, or even a slightly higher rate, if it benefits you personally. Generally, a balance transfer will only provide temporary relief with a low interest rate for a short term. At the end of the promo, you are right back to where you started. It is best to look at your entire financial picture with a trusted professional, and derive a long term solution that improves your financial well being.