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BT offer..Which to choose?

Next week im doing a BT of £570.....

I was going to go with the offer......0% till Sep 08....(2.5% fee).....

Ive just called to check and iv also now been offerd...6.9% for the life of the ballance......No fee........

My main aim is to clear the ballance of...thats why i took the card and origenal offer.......

If i go for the second offer all it means is iv got a ballance sat on my accout and im paying 6.9% for it.............

So am i doing the right thing in the first place and go with the origenal offer?

Thankyou
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