Balance Transfers

Take the Path to Payoff

With a simple fee-free balance transfer.

Rates as low as 1.99% APR* and $0 transfer fee. 

Offer ends March 20, 2026.

Apply Now
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Balance Transfers

It’s simple: transfer your balance, cut down your monthly interest, and see your credit card debt move in the right direction.
  • percentage

    AS LOW AS 1.99% APR*

    Pay off more of your balance, less of your current high-interest rate.

  • no-fee

    $0 BALANCE TRANSFER FEE

    Put more money toward paying down your balance.

  • Money-Calendar

    12 MONTH SPECIAL

    Keep your savings coming for the whole year. Offer ends March 20, 2026.

Calculator

Our Balance Transfer Calculator is here to help. It's easy to see just how much you'll end up saving:

Are Credit Card Balance Transfers Worth It?

Comparison Table
Metric With Current Card With New Card
Months to pay off – –
Total interest – –
Transfer fee $ 0.00 –
Total cost (interest + fees) – –
Interest and Transfer Fees Paid over Repayment Term

Don't have an iQ Visa® credit card yet? Apply in minutes, then we'll start transferring your balance.

  • no-fee

    $0 Annual fees on all Visa® Credit Cards

    No hefty fee means you pay down your balance faster.

  • percentage

    2.99% APR* intro rate for 12-months.

    Competitive rates for new purchases keep your payments paid off – not more interest.

  • Email_Icon_Plaid_Card

    We've got a card for your uniQue needs

    Cash-back to reward options are available

    Apply Online

     

Already have an active iQ Visa® credit card? Fill out our form to get started.

  • Thumbs-Up-Icon

    Restore your peace of mind

    Get relief from your current high interest credit card debt. 

  • Download-Icon

    Enjoy an effortless transfer

    You already have the card, which means you're one step closer to a balance transfer. 

  • contact-form

    Request a balance transfer

    Choose "Balance Transfer" in the product drop down, fill out the information, and we'll handle the rest.

    Apply Online

     

Disclosures

  • *APR= Annual Percentage Rate.

    All Credit Cards: The current Wall Street Journal prime index rate is 6.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

    Disclosure for VISA® Signature Rewards | Disclosure for VISA® Platinum Rewards | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum

    Balance Transfer: *APR= Annual Percentage Rate. Qualification is based on an assessment of individual creditworthiness, our underwriting standards, and membership qualification. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Promotional APRs for new balance transfers are between 1.99% to 16.99% based on creditworthiness. The promotional APR for new credit lines is 2.99% for purchase transactions. After 12-month promotional periods end, rates will revert to the then-current APR (currently 10.74%-21.74% APR* as of 12/25/2025, based on creditworthiness). APRs vary with the market based on the WSJ Prime Rate. Limited time promotional balance transfer rates available for new balance transfers only, non-iQ loans only, and may be discontinued at any time, but no earlier than March 20, 2026. For Visa Secured, Visa Platinum, and Visa Platinum Cash Back credit cards, the cash advance fee is equal to the greater of $5 or 2% of the transaction amount, and the foreign transaction fee is 1% of the US Dollar amount. No annual fees. Rewards are only available for purchase transactions.

    Disclosure for Balance Transfer

  • Visa Platinum®2: After promotional period expires, Variable Annual Percentage Rate (APR) will be  10.74% - 20.74% . Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.

  • Visa Platinum® Cash Back3  : After promotional period expires, Variable Annual Percentage Rate (APR) will be  12.74% - 21.74%. Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. Visa Platinum Cash Back Card Agreement

  • Share Secured Visa Platinum®1: After promotional period expires, Variable Annual Percentage Rate (APR) will be 10.74% for consumers. Rates Effective as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.