Balance Transfer Offer

Credit Card Balance Transfer Offer

Transfer a balance to your BECU Visa® and pay 0% APR for 12 months

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Transfer balances. Pay 0% APR for 12 months.

You've been selected for a Balance Transfer offer: From now until March 31, when you transfer your credit card, personal loan and high-interest debt from other financial institutions to your BECU Visa® credit card, you'll pay 0% interest on the transferred balance for the first 12 months.1 After the promo period, your current APR will apply, ranging from 7.99% - 21.99% variable APR.2 As an added plus, you won't pay any fees to transfer your balance(s).

Downsize your debt faster.

Paying zero interest for 12 months means you'll have more money to tackle your debt. And consolidating multiple balances can help simplify your financial world.

Ready to save? You can get started right now.

You can transfer any balance right now in online banking. It's easy and fast. Just log in to your online banking account. Under “Related Tasks”, select “Credit Card Balance Transfer”. The whole process should only take about 5 minutes.

Here's the information you'll need to have available on the balance(s) you wish to transfer:

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

To accept this offer, you must complete your balance transfer by March 31, 2021.

 

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.

Approval subject to BECU membership, credit approval and other underwriting criteria; not every applicant will qualify. Credit Card programs, services, rates, terms and conditions are subject to change without notice.

1 Member must receive communication in order to qualify for this offer. It may take 7-10 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 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. 

2 The advertised promotional rate is only valid on balance transfers posted to your account between 1/12/2021 – 3/31/2021. Purchase and cash advance transactions are not eligible for the promotional rate. After the 12-month promotional period, your variable APR will return to its current rate unless the Prime Rate has changed. Rates currently range from 7.99% - 21.99% (includes BECU Visa and BECU Cash Back Visa ranges). Length of 0% APR promo period is determined by your creditworthiness as the time of the offer.