VISA Balance Transfer Credit Cards

Transfer High-Interest Balances & Save!

0% APR* on Balance Transfers for 6 Months

Transfer your high-interest balances today and save! Choice One VISA Classic and Platinum Credit Cards feature 0% APR* on balance transfers for 6 months with no balance transfer or annual card fees. This can be the perfect way to pay off high-interest credit card debt sooner and for less. Plus, enjoy fixed rates as low as 8.90% APR* after the special introductory period expires, which is still much lower than America’s current 24.21%** average credit card rate. Tap the link below to apply online. Or, take a look at our comparison table below to get an idea of how much you can save.

Apply for a Credit Card

Choice One VISA Platinum Credit Card comparison chart updated.

Already a Choice One VISA Classic or Platinum cardholder? Transfer balances to your existing credit card by calling 1-844-700-1127.

Choice One VISA Credit Card Features

Platinum – A Low 8.90% APR*
Classic – A Low 13.50% APR*
0% APR* VISA Balance Transfer Rate
No Balance Transfer Fee
No Annual Fee
25-day Interest-Free Grace Period On Purchases
Accepted Everywhere
Worldwide Cash Advance Option
UChoose Rewards

Apply for a Choice One VISA Platinum or Classic credit card online today! Or, you can apply in person at any branch.

Apply for a Credit Card View Existing Account Online

VISA Credit Card Rates

APR*	Info and/or Terms Effective Date: 01/01/2024 Rates Subject to Change at Anytime
VISA Platinum As low as 8.90%*	Annual Percentage Rate for Purchases and Cash Advances Transaction Fee for Purchases: Average Daily Balance (including new purchases) Grace Period for Purchases: 25 days No Annual Fee Application Fee $5.00 Transfer Rate – 0% APR* for six billing cycles.
VISA Classic As low as 13.50%*	Annual Percentage Rate for Purchases and Cash Advances Transaction Fee for Purchases: Average Daily Balance (including new purchases) Grace Period for Purchases: 25 days No Annual Fee Application Fee $5.00 Transfer Rate – 0% APR* for six billing cycles.

Manage Your Credit Card Account Exclusively with Virtual Branch

At Choice One, we’re streamlining your banking experience! Now, the only way to manage your Choice One VISA credit card account is through our secure and user-friendly Virtual Branch Online Banking, available 24/7. Whether you need to access your credit card statements, check recent transactions, or pay your bills, it’s all conveniently integrated into your normal Choice One Virtual Branch login. This exclusive platform ensures a seamless, efficient, and easy way to handle all your credit card account needs with just a few clicks. Embrace the simplicity and security of managing your account exclusively online with us! Tap the link below to log in to your Virtual Branch Online Banking account or click here for simple step by step instructions to enroll.

Or, click here to log in if you are currently not a Virtual Branch Online Banking user.

VISA Credit Card Agreement

View the VISA Credit Card Agreement

Choice One Federal Credit Union VISA® Summary of Terms

Annual Percentage Rate for Purchases, Cash Advances, and Balance Transfers	VISA Platinum 8.90% APR* VISA Classic 13.50% APR* Balance Transfer Rate – 0% APR*
Grace Period for Purchases	25 days
Annual Fee	None
Transaction Fee for purchases	Average Daily Balance (including new purchases)
Application Fee	$5.00

*0% VISA Balance Transfer Rate is valid for 6 billing cycles from date of transfer. Rate returns to current rate at that time. Choice One’s current Platinum Visa Credit Card Rate is 8.90% APR and Classic Visa Card is 13.50% APR with No Balance Transfer or Annual Fee. Balance Transfer offer is good on any new or existing Choice One Platinum or Classic Credit Card. 0% balance transfer rate is for balances transferred from another institution only. Transfers may not exceed the credit line a member is approved for.

**High-interest credit card information gathered from lendingtree.com as of February 7, 2025, and subject to change. Credit cards offered by other institutions may have different rates and terms.

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About Choice One

We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!

VISA Balance Transfer Credit Cards

Transfer High-Interest Balances & Save!

0% APR* on Balance Transfers for 6 Months

Expert Advice

About Choice One

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