1After the first 12 months, APR will be 8.90% - 14.90% based on creditworthiness. APR=Annual Percentage Rate.
2Spend between $1-$2,499 and earn 1% rewards. Earn 1.5% when you spend $2,500+ or when you make 25+ purchases during a billing cycle.
*0% Credit Card Balance Transfer Terms and Conditions: Except as provided herein, only one 0% promotional APR balance transfer (“0% balance transfer”) is permitted every 12 months from the date of the last 0% balance transfer on your account. Multiple balances from other credit accounts may be combined into a single 0% balance transfer, but the balance transfers must be requested at the same time on our form. If you do not pay off a 0% balance transfer balance within 12 months of the transfer, the remaining balance will then be subject to the Standard Rate, and you will be eligible to request a new 0% balance transfer for a different credit account balance. If you pay a 0% balance transfer in full less than 12 months from the transfer, you will be eligible to request a new 0% balance transfer after payoff. Additional balance transfers may be requested up to your credit limit while you have a 0% balance transfer in effect, but they will be subject to the Standard Rate. Full terms and conditions for balance transfers and the 0% balance transfer offer are as provided on the Credit Card Balance Transfer Request form. The 0% balance transfer offer is subject to change or termination at any time without notice.
View Cardholder Agreement (PDF)
View Rates and Fees (PDF)
View Advancial Rewards Terms and Conditions (PDF)
If you’re overwhelmed with high-interest credit card debt, or if you want to simplify your finances, you may want to consider a balance transfer. A balance transfer occurs when you move the amount you owe from one or more credit card accounts to another credit card, preferably one with a lower interest rate.