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.
Why transfer to an SF Fire Platinum Visa®?
| $0 | 10.75% | $0 |
| Annual fee | APR | Balance transfer fee |
|
$0
|
|
10.75%
|
|
$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 10.75%*. 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.
Low interest rate
With an APR starting as low as 10.75%*, 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
10.75% – 18.00% APR*
|
Bank of America
18.24% APR1 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.
Frequently asked questions
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Does SF Fire CU charge a fee for a balance transfer?
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Is there a grace period on interest for balance transfers?
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How does the APR work for a balance transfer?
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Who can request a balance transfer?
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How do I request a balance transfer?
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What are the account requirements for submitting a balance transfer request?
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How long do balance transfers take?
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Can I request a balance transfer from one SF Fire CU credit card account to another?
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Do I still have to make payments directly to the non-SF Fire CU account being paid with the balance transfer?
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Does a balance transfer earn me rewards points?
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How long will it take for my balance transfer to post?
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How much of my available credit can I use for a balance transfer?
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To request a balance transfer, do I have to be an account owner on the non-SF Fire CU account being paid?
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Why do you require a nine-digit zip code for my non-SF Fire CU account?
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What should I do if I accidentally entered an incorrect payment address for my non-SF Fire CU account?
Discover more
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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.
Call us
(415) 674-4800
(888) 499-FIRE (3473)
Mon-Fri 7:00 AM – 7:00 PM
Sat 9:00AM - 5:00PM
Stop by a branch
Branch hours
Mon-Fri 9:30AM – 5:30PM
Saturday 10:00AM – 2:00PM
*SF Fire Credit Union Visa® is a variable rate product. Rates as low as 10.75% as of 12/11/2025. 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 creditworthiness. 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. 18.24% 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 1/31/2025
