Visa® Balance Transfer

Visa Balance Transfers

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0% APR for 12 Months on Visa Balance Transfers

After that, your variable APR applies, which currently ranges between 9.15% to 23.15% (includes BECU Visa and BECU Cash Back card ranges).

It is more important than ever to keep track of where your money is going- why throw it away on high interest rates?

We're here to help.

Transfer your high-interest debt from another financial institution to your BECU Visa® credit card, and you'll pay no interest on the transferred balance for 12 months. As an added plus (and because you shouldn't have to pay fees on your own money), you'll pay nothing to transfer your balance.

Other financial institutions can charge up to 5% on balance transfers. With no fees on the transaction or the transferred balance itself, you'll be free from debt faster than ever.

In addition to credit card balances, consider transferring these debts from other financial institutions to your BECU Visa card:

  • Personal loans
  • Auto loans
  • Other high-interest debt

Ready to get started?

Simply call us at 800-233-2328, ext. 7233, and be sure to read the special notice below. Ready to transfer your balance? Have the following information ready:

  • Lender's name (e.g., the institution or credit card company)
  • Lender's mailing address
  • Your account number
  • Amount you wish to transfer.

(Note — to accept this offer, you must complete your balance transfer between February 1, 2019 and March 16, 2019.)

Don't have your BECU Visa card yet? Our rates are among the lowest in the country. Put that debt on ice and apply today!

SPECIAL NOTICE to members who pay their entire balance in full each month: If you always pay your balance in full each month, you do not pay interest on your purchases. This is called a grace period. Please note that if you take this offer, you will lose your grace period. If you transfer a balance to this account, you will begin paying interest on all new purchases (which includes recurring automatic payments) charged to the account, even if you pay your purchase balance in full each month. To avoid paying interest on your purchases, you must pay both your transferred balance and your purchase balance in full.

It may take up to 10 business days to post the balance transfers so you may need to make payments to your other account(s) to keep them current. Balance transfers cannot be used towards amounts you owe BECU. BECU may decline one or more requests in whole or in part. Balance transfers are contingent upon the available credit on your credit card account. In the event that your requests exceed the amount we approve to process, we will fulfill your requests in the order provided in your response. We are not obligated to fulfill a request if any part of the request would exceed your credit limit. BECU does not charge Balance Transfer fees. We will apply minimum payments at our discretion, and we will apply amounts that exceed the minimum payment amount due to balances with the highest APRs first.

The advertised promotional rate is only valid on balance transfers posted to your account between February 1, 2019 and March 16, 2019. Purchase and cash advance transactions are not eligible for the promotional rate.

*Your APR will vary with the market based on the Prime Rate. Please refer to the Credit and Security Agreement for the terms and conditions, fees, and charges, and other information regarding your credit card account.