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VyStar Credit Union is here to help you achieve more financial freedom by paying off holiday expenses faster. When you transfer your balances from other higher-rate credit cards to a new VyStar Visa® Signature Cash Back credit card, you can enjoy a low intro APR. That means you'll be able to pay off your balances quicker and start saving for what matters most.
Open a new VyStar Visa Signature Cash Back credit card today and you’ll get:
- As low as 1.99% APR for 12 billing months on balances transferred within 60 days. Rate returns to variable 17.75% APR twelve (12) billing cycles after balance transfer completion. A 3% fee applies to all balance transfers.*
- Earn 3% cashback on gas, 2% cashback on grocery purchases and 1% cashback on everything else!
- No annual fee.
Plus, earn $150 for spending at least $1,500 in the first 60 days from account opening.**
Don’t miss this opportunity to pay off holiday expenses and start the new year off right.
Not a VyStar member yet?
Get started today to take advantage of this great opportunity.
Or schedule an appointment at a branch near you.
Already a VyStar member? Click here to apply for your new credit card.
|
potential savings example you could save over $1,1002 |
|
theirs |
ours |
|
|
Example Balance |
$10,000 |
$10,000 |
|
Interest Rate |
27.81%1 Standard Average Credit Card Rate |
1.99% Promotional Balance Transfer Rate |
|
3% balance transfer fee* |
- |
$300 |
|
12 Month Interest |
$1,569 |
$111 |
|
12 Month Savings2 |
- |
$1,158 |
All loans are subject to credit approval. All rates are based on an evaluation of the member’s individual credit history. Terms are subject to conditions and verification restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.
*APR=Annual Percentage Rate and is current as of January 1, 2024. Rate on unpaid balances returns to standard variable APR (currently 17.75% APR) twelve (12) billing cycles after completion date of the balance transfer. Promotional rate of 1.99% APR is valid on balance transfers from non-VyStar loans/credit cards for 12 months when completed within 60 days of new account opening. The balance transfer fee of 3% of the amount of each balance transfer will be applied.
**To qualify for the $150 statement credit a total of at least $1,500 in net purchases (purchases minus returns/credits) must post to your account within 60 days from the date your account is opened. The credit will appear on your credit card statement on or around day 90 of account opening. Certain restrictions apply. Balance transfers and cash advances do not earn rewards points or cash back. Business, Savings Secured VISA, and Platinum VISA cards are not eligible for this promotion.
1Source: https://www.forbes.com/advisor/credit-cards/average-credit-card-interest-rate/, 1/3/2024
2All examples are hypothetical and are for illustrative purposes.
