Balance Transfers

Easily transfer balances and simplify your finances

Introductory offer

Enjoy this inclusive offer within 90 days of opening your accountD

0% APRD

0% introductory APRD for the first 12 months, then the purchase rate of 17.49% to 26.49% for all cards except Smart Option, which is 14.49% to 23.49%.

Balance Transfers

You're only three steps away from a great new rate

Log in and go to Manage Cards

Specify your card, select Request Balance Transfer

Provide transfer info and accept terms

Log In to Transfer a Balance , Opens in a new tab
Balance Transfers

You're only three steps away from a great new rate

Log in and go to Manage Cards

Balance Transfers

You're only three steps away from a great new rate

Specify your card, select Request Balance Transfer

Balance Transfers

You're only three steps away from a great new rate

Provide transfer info and accept terms

Log In to Transfer a Balance , Opens in a new tab
Requirements

Start a balance transfer quickly and easily

Here's what information you'll need to request a credit card balance transfer.

  • Your card issuer's name and address
  • Your full 16-digit account number
  • The amount of the balance you want to transfer
Log In to Transfer a Balance , Opens in a new tab

Don't have a credit card with us yet?

Whether you're looking to earn rewards or build your credit score, we make it easy to answer a few questions and find the right credit card for you.

Compare our credit cards

FAQ
People often ask us

A credit card balance transfer is the process of transferring debt from one credit card to another. Usually, people use balance transfers to save money by moving from a high-interest rate card to a low-interest rate card, or to streamline monthly payments. The new credit card may offer other benefits as well, such as a cash back or travel rewards program.

Yes. A balance transfer can be used to pay down balances on any unsecured revolving credit cards and loans, except those with First Citizens or any of our affiliates.

Yes. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. This fee will post to your credit card account the same time the balance transfer is posted.

Generally, you can expect a balance transfer to take up to 30 days, depending on the postal service and the other institution processing the payment. During this time, continue to make at least the minimum payments on the account balances being transferred.

No. Points or rewards dollars aren't accrued on balance transfers or associated fees.

After the 12th billing cycle, your APR will default to your Purchase APR. You'll be charged interest on purchases unless you pay off the entire new balance, including the transferred balance, by the due date.

These transactions are subject to approval, and we reserve the right to decline based on account status, available credit, credit history and other factors.

You'll need the card issuer's name and address, your full 16-digit card number, and the amount you'd like to transfer.

The 90-day window begins the day your credit card is approved.

No. Your balance transfer doesn't need to post within the 90-day window. However, it must be initiated and submitted during the 90-day window to qualify for the introductory rate.

Insights
A few financial insights for your life

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Normal credit approval applies.

For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).

APR (Annual Percentage Rate). The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of November 30, 2024, is 7.75% and may vary in the future. The transaction fee for cash advances is $10 or 5% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactions is 3% (0% for Travel Rewards) of each transaction after conversion to US dollars.

Balance transfer must occur within the first 90 days of account opening to qualify for the 0% APR (annual percentage rate) introductory offer and will be subject to a balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater. After the 12 billing cycle period, your APR will default to your purchase APR.

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