Credit Card Balance Transfer

we're all about nothing. 0%25 balance transfers when you get a new VyStar Visa Credit Card

This nothing is really something.

Simply get a new VyStar VISA^® Signature card and transfer a balance from a non-VyStar card within 60 days, and you’ll get 0% APR* for 12 months. After that, you’ll enjoy one of the lowest rates around on purchases and balance transfers. Even better, unlike other cards, there is no balance transfer fee. It’s VyStar’s new balance transfer offer, and it’s here to stay.

It’s the low rate you deserve with the features you prefer:

No Balance Transfer Fee
No Annual Fee
No Transaction Fee
No Inactivity Fee
Earn Cash Back or Rewards on Purchases

We offer several convenient ways to apply:

Apply online in Internet Banking
Apply over the phone by contacting a Call Center representative at (904) 777-6000 or 1 (800) 445-6289, option 3
Apply in person at any branch

*APR=Annual Percentage Rate and is current as of July 1, 2020. Introductory rate is valid on balance transfers from non-VyStar loans/credit cards when completed within the first 60 days after the card open date. Rate on unpaid balances returns to standard variable APR (currently 9.50% APR) twelve (12) billing cycles after completion date of the balance transfer. All loans subject to approval and actual rate may vary and is based on an evaluation of the individual’s credit history. Programs, rates and terms are subject to change at any time without notice. Certain restrictions apply. Balance transfers and cash advances do not earn rewards points or cash back. Business and Savings Secured VISA cards are not eligible for this promotion.