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Balance Transfer

Get financially fit

Move it and lose it!

Use a balance transfer and get 2% APR!*

Dance your way out of debt. Lock in 2% APR on all balances transferred to an Inspirus Visa® Platinum Credit Card for one whole year. After that, our low variable rate applies (currently 8.50% - 14.50% APR).**

Platinum Card

Save more by transferring balances to our Visa Platinum card between September 1, 2018 and December 15, 2018.

After you do, be sure to do the following to keep saving:

  • Create a budget. We have a tool in our Digital Banking Platform to help you.
  • Set a reminder for when the 12 months is up.
  • Whenever you can, pay more than the minimum. Even if you can only swing $10 extra, a little goes a long way.

Does this sound like a good option for you? Current Inspirus Visa Platinum cardholders can start transferring balances today! Call us or log into Digital Banking.

Don’t have an Inspirus Platinum Card yet? Get twice the savings when you open one. We offer a 0% intro APR on purchases for the first six months for new cardholders. After that, our low rates apply (currently 8.50% - 14.50% APR).

Or get our 2% unlimited cash back card!

Get paid to shop and pay your bills. Earn 2% cash back on all purchases with the Inspirus Visa® Signature Credit Card. You’ll also get instant access to discounts and savings to places you love to shop.

Rewards Card

If you're looking to earn rewards with no annual fee and a low-interest rate (currently 10.50% - 16.50% APR), this is the card for you!

Get unlimited cash back and more:

  • Use your rewards card, but be sure to pay it off! That way, you earn 2% cash back and won't get charged interest.
  • Take advantage of all the great benefits, including payment protection, travel assistance, auto rental collision damage waiver, and more!
  • Enjoy valuable savings and discounts on dining, shopping, and once-in-a-lifetime experiences.

Does this sound like a good option for you? Call us or click the button below to start earning more.

Want more information?
Compare our Platinum and Signature cards and make the right choice for you!

Both Inspirus credit cards offer

  • no annual fee
    No annual fee
  • no transfer fee
    Easy card management
  • Competitively low interest rate
    Competitively low interest rate

Frequently Asked Questions


What does it mean when you transfer a balance?
It’s exactly what it sounds like – it's when a person decides to move their credit card balances from one credit card to another, usually a card with a lower interest rate.
How do I know if a balance transfer is right for me?

If you have a large amount of credit card debt with a high interest rate, you could save a lot of money by transferring it! If you aren’t carrying a large balance, then the Signature card may be more your style.

How do I know how much I should transfer?

Your balance cannot exceed your available credit on the card that is receiving the balance. In other words, if you open a Visa Platinum Card and are approved up to $20,000, then your balance plus the interest that you may be charged must not exceed that $20,000 threshold.

What is a balance transfer fee on a credit card?

This is a crucial question that often gets overlooked. Many cards charge a balance transfer fee, but we don’t! Both the Inspirus Visa Platinum and the Inspirus Visa Signature card have no balance transfer fee.

What types of balances can I transfer?

Depends on the card. For our Visa Platinum card, you can transfer most types of debt: credit card, store card, auto loan, student loan, medical bills, payday loans, and more! Just be sure to stay under your approved credit limit.

Will transferring a balance impact my credit?

A balance transfer does not directly impact your credit. However, it could affect it in the following ways -

Credit Utilization: a balance transfer can change your Credit Utilization, or the amount of your credit that you are currently using. Credit score companies like Experian and Transunion calculate that by dividing the total amount of credit card debt you have by the total amount you have been approved for across all cards. As long as you don’t close your old account, your credit utilization will fall which is a good thing!

New Credit: Each time you open a new credit card or loan account, your credit score will temporarily take a slight dip. This should last for less than a year and, unless you have a major financial event in the near future, this should not be an issue.

What do I need to transfer balances?

All it takes is a couple of pieces of information:

  • The credit card number you would like to transfer balances from
  • The mailing address of your credit card company. For this, we recommend either bringing in a statement or calling your credit card company and asking for the best mailing address to send a check to.
How long does a balance transfer take?

Balance transfers usually take 7 to 10 days. After that, you’re good to go!

Go online

Transfer balances through Digital Banking. Simply sign in and click on the Visa Credit Card widget.

Call any time

We’re available 24/7! Call locally at 206.628.4010 or toll-free at 888.628.4010.

Visit us

Come on by! We’re open weekdays from 9 a.m. - 5 p.m. Find a branch nearby.

*APR = Annual Percentage Rate. Inspirus Visa Signature cardholders are not eligible for this balance consolidation promotion. Eligibility and the non-promotional rate for which you may qualify will be determined by your personal creditworthiness.

**For Balance Transfers: Eligibility and the non-promotional rate for which you may qualify will be determined by your personal creditworthiness. The promotional rate applies to balances transferred to a credit union Visa Platinum credit card during the promotional period between September 1, 2018 and December 15, 2018. The promotion may not be combined with any other offer and does not apply to existing balances on your credit union Visa. Your account must be in good standing. 2.00% APR will apply only to transferred balance amounts and will remain in effect for up to one year from the date of balance transfer. After that, your rate on any remaining transferred balance converts to our regular variable rate, currently 8.50% - 14.50% APR as of September 1, 2018.

When you call, you'll want to have this information handy for each card you'll be transferring balances from: account number, transfer amount, payee, and payment address.

Programs, rates, terms, and conditions are subject to change at any time without notice. Visa Signature card APR is determined based on creditworthiness, and is variable and subject to change. A 1% foreign transaction fee may apply to Platinum cards. A 2.5% fee applies to cash advances applies to both the Visa Platinum and the Visa Signature card.