Originally Posted by drminn

You need to look at the conditions, is it for purchases or for balance transfers or both. For balance transfers there typically is a one time fee (3% or 5%). You then make the minimum payment every month. It won't hurt your credit score unless you run up the utilization, I just took a 25 point hit for running up the utilization on my new Hyatt card to 60% to make the minimum spend. But even if you do get hit, it will go away as you pay down the balance.