Balance Transfers

Discover the Power

A balance transfer of your credit card debt to a new iQ credit card can be a money-saving way of paying off debt. Our low-interest cards mean you can focus on paying down your balance, faster.

 

PROMOTIONAL BALANCE TRANSFER RATES

Between December 25, 2020, and April 24, 2021, they’re as low as 1.99% annual percentage rate (APR) for 24 months. Plus, after the 24-month promotion, the variable APRare only 7.24- 18.24%. *

NO BALANCE TRANSFER FEE 

Many credit card companies charge a fee just for completing the transfer. At iQ, we don’t charge a fee for this service, allowing you to put more of your money toward paying down your balance. 

SIMPLIFY YOUR FINANCIAL LIFE

You'll have just one card to keep track of which means only one payment to make each month. 

LOW TO NO ANNUAL FEES

Perfect for chopping down your debt.

Disclosures

*APR= Annual Percentage Rate. Promotional APRs are between 1.99% and 11.99%, based on borrower's creditworthiness. After 24-month promotion period, the APR varies, based on credit worthiness and card type, between 7.24% and 18.24%. Rates current as of 12/25/2020 and varies with the WSJ Prime Rate. No balance transfer fee. Visa Signature Card has an annual fee of $49. Visa Platinum and Visa Platinum Rewards cash advance fee is $5 or 2% of the cash advance amount, whichever is greater. Visa Platinum and Visa Platinum Rewards have a 1% of U.S. Dollar equivalent foreign transaction fee. Limited time promotional rate available for new balance transfers for non-iQ loans only and may be discontinued at any time, but no later than April 24, 2021. Balance transfers are not eligible for credit card rewards or cash back. Promotion does not apply to business credit cards. Terms subject to change without notice.

*Disclosure for Visa Platinum Rewards available here. Approval is subject to qualification for iQ membership, creditworthiness and underwriting standards. Programs, rates, terms, and conditions subject to change at any time without notice.

*Disclosure for Visa Platinum available here. Approval is subject to qualification for iQ membership, creditworthiness and underwriting standards. Programs, rates, terms, and conditions subject to change at any time without notice.

*Disclosure for Visa Signature Rewards available here. Approval is subject to qualification for iQ membership, creditworthiness and underwriting standards. Programs, rates, terms, and conditions subject to change at any time without notice.

Find out which card is right for you

Explore All of Our Card Options

Visa Platinum®

No Annual Fee*

24/7 Fraud Protection

No interest on purchases if made in full by the due date

Generous Grace Period for Payment

Travel Accident Insurance1

Auto Rental Insurance

Travel & Emergency Coverage2

Warranty Manager Services

Convenient Loan Signings Using DocuSign

Eligible for Debt Protection Insurance

Get Your Card Today in Any Branch

Visa Platinum® Rewards

No Annual Fee*

24/7 Fraud Protection

No interest on purchases if made in full by the due date

Generous Grace Period for Payment

Travel Accident Insurance1

Auto Rental Insurance

Travel & Emergency Coverage2

Warranty Manager Services

Convenient Loan Signings Using DocuSign

Eligible for Debt Protection Insurance

Get Your Card Today in Any Branch

1% Cash Back on all Purchases Automatically Deposited to Your Account

Visa Signature® Rewards

Low annual fee*

24/7 fraud protection

No interest on purchases if paid in full by due date

2.99% intro APR*

Eligible for debt protection insurance

1 point = $1 spent

Even more points for travel (3x) and dining (2x)

Optional overdraft protection

Zero cash advance fees

Zero foreign transaction fees

Zero balance transfer fees

Convenient online travel reservations

Travel Accident Insurance1

Lost luggage and baggage delay reimbursement

Resources

Even if we can’t fix everything, we can take the time to give you helpful resources for your journey. Here’s a few of resources below to get you started. Or connect with our financial guides to discover the best path for you.

CHECKLIST

Budgeting Checklist

The road to financial freedom is paved with wise money-management decisions. Build a strong financial future today by making and staying on a smart budget. Don’t know how to build a budget? No problem! Download this interactive budgeting template that will guide you in your efforts to secure financial independence.

Download the Checklist

EBOOK

Get a Fresh Start with Debt Consolidation

If you find yourself searching for ways to pay off debt more quickly and easily, you’ve landed in the right place! Rest assured—you’re one of many looking to reduce payments and find their way to financial freedom.

Download the Guide

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Debt Management

One survey shows that approximately 80% of Americans are currently in debt. Whether it be from a credit card, student loan, or mortgage, understanding how debt works, knowing where to go for help, and making a plan are the keys to help you better manage your debt.

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