Are Balance Transfers Worth It?

Feeling UNcertain about balance transfers? Let’s talk about it.

What’s a Balance Transfer?

A balance transfer moves your debt from one credit card to another. Most people transfer their balance from a card with a higher annual percentage rate (APR) to a card with a low-to-no-cost introductory rate period to save on interest.

And, hey, we’ve got great news—not only do we offer 0% Intro APR* for six months on ALL our reward cards, we don’t do balance transfer fees. Ever.

How Can $0 Balance Transfer Fees Help?

If saving on interest and reducing monthly payments sounds awesome to you, a balance transfer could be worth your while. We’re proud to offer $0 balance transfer fees** on all our cards, all the time.

Check this out. Let’s say your current credit card balance is $6,000 and you’d like to move the entire balance elsewhere. Most financial institutions charge a fee of three to five percent of the amount being transferred, which would look like:

One More Thing…

A balance transfer can be UNdeniably helpful, but it’s not the only way to reduce your debt. If you’re ready to make it rain on your credit card debt, read this.

Ready to make money moves? Explore our credit cards and apply for a $0 balance transfer today.

This blog is intended for educational purposes only. For details about specific products or services, see credit union for details. For questions about investments, please consult your financial advisor.

*0% Introductory APR (Annual Percentage Rate) on eligible purchases and balance transfers for the first 6 months from account opening. After the introductory period, a variable APR will apply, ranging from 17.49% to 20.99%, based on your credit score. These rates are accurate as of 09/01/2026 and may change based on fluctuations to the US Prime Rate as published in the Wall Street Journal. To qualify for the Card Account, you must meet both our creditworthiness criteria and other eligibility requirements, as determined in our sole discretion. Existing debt with Community Choice Credit Union, including but not limited to credit card balances and other outstanding loan balances are not eligible for the 0% introductory APR. 0% Introductory APR only valid on the UNLimited Cash Card and Priority Plus Card.

**$0 Balance Transfer Fee only valid for balance transfers posted after July 1, 2026. Offer applies to new balance transfers on all Community Choice credit cards. Existing Community Choice Credit Union balances are not eligible for transfer. Standard rates and terms apply to all other transactions. Subject to credit approval.