balance transfer to new rewards mastercard
0% intro APR
for 6 months.*
13.74-23.74% APR
thereafter.*
3% or $5 fee,
whichever is greater, on each transfer.
Enjoy 0% APR for 6 months!
When you transfer high-rate credit card or loan balances to your new STCU Rewards Mastercard®, you can take a break from interest and focus on paying down what you owe.
Whether you’re already an STCU member or thinking about joining, now’s the perfect time to apply for an STCU Mastercard and transfer your balances.
During the first 90 days of your new card, you can transfer your high-cost credit card and consumer loan balances on store cards, or from your old financial institution.
Why choose an STCU credit card?
Transferring balances to your STCU credit card gives you:
- 0% intro APR for the first 6 months.
- Simplified finances by consolidating balances onto one secure card.
- Trusted service from your local credit union.
When you open a new STCU Mastercard and transfer balances during the first 90 days, you get 0% intro APR for 6 months on transferred balances (with a 3% transfer fee, $5 minimum).
Afterward, enjoy 11.99-22.99% APR for a traditional Mastercard, or 13.74-23.74% variable APR for a Rewards Mastercard.*
How does a balance transfer work?
A balance transfer happens when you give STCU permission to pay off your debts at other, more expensive financial institutions or stores. Your balances are transferred to your STCU Mastercard where you get 0% APR for the first 6 months.
If you're considering one but need more information, check out our Money Blog about balance transfers and if it’s right for you.
Start your balance transfer now.
Before you apply, you’ll want to have the account information from the cards or loans held at other financial institutions or stores. Monthly account statements are a good source.
Heads-up: Balance transfers can’t be used to pay off other STCU loans.
Now that you’re ready to apply, here’s what you need to do:
If you’re already a member, apply for an STCU Mastercard. Then, request a balance transfer in online banking. Under “Transfer and pay” select “Transfer credit card balances”.
Not a member? Join online, apply for an STCU credit card, then transfer your balances.
Need help? Contact us!
Disclosures
*APR=annual percentage rate. A "variable rate" means the APR may change after the account is opened. All loans, including credit card applications, subject to approval. A membership fee may be required to join STCU. Introductory rate availability based on creditworthiness.
The 0% intro APR for balance transfers is good for 6 months (or 7 billing cycles). Thereafter, the rate is 11.99-22.99% fixed APR for traditional cards; 13.74-23.74% variable APR for rewards cards.
Balance transfers must be completed within 90 days from the account opening date.
1See the following documents to view STCU credit card fees and disclosures:
STCU Traditional Mastercard
STCU Rewards World Mastercard
STCU Premier Rewards World Mastercard
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.