Credit Card Balance Transfer

Don't like balance transfer fees? Neither do we.

No transfer fees and rates as low as 0%25 APR* for 12 months

As a new VyStar cardholder, you can transfer a balance from a non-VyStar card to your VyStar VISA^® credit card and get 0% APR* for 12 months with:

No Balance Transfer Fee
No Annual Fee
No Transaction Fee
No Inactivity Fee

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 April 1, 2021. Rate on unpaid balances returns to standard variable or non-variable APR (currently 9.10–13.50% 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. ©2021 VyStar Credit Union.