Rose.
Member since 2002.
Member since 2002.
$0
Low
$0
Transfer and Save
Looking to pay off a high-interest credit card? SF Fire Credit Union credit cards have an APR as low as 12.00%*. And with no balance transfer fees, you’ll start saving right away, especially if you can pay more than the minimum payment each month.
Easy Online Process
Transferring balances to a lower rate card can be a great way to save on interest. And you can submit your request at any time. Click Balance Transfer in Online & Mobile Banking to get started.
You can also request a Balance Transfer when you call, chat, or visit us in the branch.
Three Reasons for Balance Transfers
Transferring a balance from another credit card to your SF Fire CU Platinum Visa® helps you save money in several ways.
No Balance Transfer Fees
Where other cards might charge you fees such as 3% of the total transfer or a flat $5 or $10, there are no fees for balance transfers to your card with us.
Low Interest Rate
With an APR starting as low as 12.00%*, you'll be able to save a lot on interest every month and over time as you pay down the balance.
Please note that there is no grace period on interest for balance transfers; you will begin to accrue interest on the transferred balance right away.
No Annual Fee
No need to pay an annual fee to use your own line of credit.
| SF Fire Platinum Visa Credit Card | Bank of America Cash Rewards Card | |
|---|---|---|
| APR |
SF Fire Credit Union
12.00%*
|
Bank of America
16.99%1 after any introductory rates
|
| Balance Transfer Fee |
SF Fire Credit Union
$0
|
Bank of America
$10 or 3%
|
| Annual Fee |
SF Fire Credit Union
$0
|
Bank of America
$0
|
| Cash Advance Fee |
SF Fire Credit Union
$0
|
Bank of America
$10 or 3%
|
| Foreign Transaction Fee |
SF Fire Credit Union
$0
|
Bank of America
3% US dollar amount
|
The card that works for you
Our Platinum Visa card not only offers a strong balance transfer option for you, but also a free and updated Credit Card Rewards program and other Visa Benefits such as a Warranty Manager program and an Auto Rental Collision Waiver. You can also use it as a fee-free source of Overdraft Protection for your SF Fire CU checking account.
-
Does SF Fire CU charge a fee for a balance transfer?
-
Is there a grace period on interest for balance transfers?
-
How does the APR work for a balance transfer?
-
Who can request a balance transfer?
-
How do I request a balance transfer?
-
What are the account requirements for submitting a balance transfer request?
-
How long do balance transfers take?
-
Can I request a balance transfer from one SF Fire CU credit card account to another?
-
Do I still have to make payments directly to the non-SF Fire CU account being paid with the balance transfer?
-
Does a balance transfer earn me rewards points?
-
How long will it take for my balance transfer to post?
-
How much of my available credit can I use for a balance transfer?
-
To request a balance transfer, do I have to be an account owner on the non-SF Fire CU account being paid?
-
Why do you require a nine-digit zip code for my non-SF Fire CU account?
-
What should I do if I accidentally entered an incorrect payment address for my non-SF Fire CU account?
*SF Fire Credit Union Visa is a variable rate product. Rates as low as 12.00% as of 09/19/2024. Actual terms depend on the applicant's creditworthiness. All loans subject to credit approval. Variable rate adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on credit worthiness. 12.00% is the Credit Union's floor rate and 18.00% is the ceiling rate. All terms and conditions of the VISA Agreement and Disclosure Statement apply, including monthly minimum payment requirements.
Balance transfers do not qualify for rewards points. Balance transfer requests are dependent on available credit.
1. 16.99% APR starts after introductory period of 0% APR for the first 18 Statement Closing Dates
Rate and Fee info for Bank of America as of 11/3/2022
Discover More
Hannah & Martin, SFUSD supporters.
Members since 2017.
Members since 2017.
JOIN NOW
Come home to where the Bay Area banks
Join the best credit union in San Francisco. Let us help you achieve your goals.
Learn More
Members since 2017.
Jeanne, marathoner and coach.
Member since 2007.
Member since 2007.
FREE CHECKING
Checking you can count on
We offer the Bay Area's best checking account – easy, free, and with no minimum balance or monthly fee.
Learn More
Member since 2007.
Let's Talk
As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.
Stop by a branch
Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM
