It’s Visa Balance Transfer season again—that time of year when you can save money on interest by paying none of it for 12 billing cycles. It’s an excellent way to give your budget a break and pay off your holiday credit card debt faster. And unlike many balance transfer deals, our annual Balance Transfer offer features no transfer fees. Salal Classic or Rewards Visas also have no annual fees.
Lock in 0% APR* for 12 billing cycles and pay $0 balance transfer fees and $0 annual fee. (7.99% to 15.74% variable APR after promotional period).
Why it Pays to Get a Balance Transfer from Salal
Credit card interest can get expensive, especially on cards from those big national banks. Plus, if you’ve ever done a balance transfer with those big banks you know that those transfer fees can really add up. Sure, when you run the numbers, technically you come out ahead after paying those big transfer fees, but a lot of times you’re just barely saving money. You could be doing better.
So, why does our Balance Transfer offer feature 0% APR for 12 billing cycles plus ZERO transfer fees and annual fees? It’s pretty simple. We’re a not-for-profit financial co-op that’s owned by our members. When we do make a profit, it goes back to you in the form of better rates, lower fees, and financial support for important causes in our communities.
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*APR=Annual Percentage Rate. Salal loans are subject to credit approval. Balance transfer promotion only valid on Salal Classic and Rewards Visa. Length of promotional period will be 0% APR for 12 billing cycles from date of last balance transfer. Promotional APR available for new balance transfers only and applies to transfers made between November 16, 2021 – January 31, 2022. After the promotional period ends, the standard variable APR will be applied to unpaid promotional balances. The standard variable APR is between 7.99% to 15.74% for our Classic card and 9.99% to 13.49% for our Rewards card. APR is determined when you open your account and is based upon your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Fees include: Cash advance—3% of advanced amount ($10 minimum); Foreign transaction—Classic 3%/Rewards 1% of each transaction in U.S. dollars. To avoid paying interest on new purchases, the entire account balance (including any promotional balance) must be paid in full each month by the payment due date. Information is current as of November 16, 2021 and is subject to change without notice. Offer excludes balances on existing Salal credit cards or loans. Salal Visa Rewards Points not earned on balance transfer amount during the promotional period. Additional limitations, terms, and conditions apply.