Balance Transfers

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.