Intro. 0% APR* for 7 Months on Balance Transfers
Free up your card balance
Here's your chance to enjoy an introductory 0% APR balance transfer and other perks on new personal credit cards processed within 45 days of account opening.
Offers depend on card type and are only valid when opened starting January 3, 2024. After the first 7 months, any unpaid balances revert to the cardholder's regular balance transfer rate (14.49 - 22.99% APR). A 4.00% transfer fee (minimum $5) will apply.
Earn an unlimited 1.50%** cash back anytime for anything with the Consumers Cash Back Mastercard®. Then turnaround and redeem for cash rewards or statement credit. No annual fee and free instant-issue card printed at an office.
Bonus offer: Earn 3.00%1 cash back on every purchase for the first 6 months. Receive an introductory 0% APR on balance transfers for the first 7 billing cycles after account opening and transferred balances within 45 days. A 4.00% transfer fee (minimum $5) will apply.
With a Consumers Rewards Mastercard® you get to choose how to redeem the points you earn (1 point for every $1 spent) while making everyday purchases. What’s your pleasure—gift cards? Travel? It’s up to you. No annual fee and free instant-issue card printed at an office.
Bonus offer: Earn 3x2 points on every purchase for the first 6 months. Receive an introductory 0% APR on balance transfers for the first 7 billing cycles after account opening and transferred balances within 45 days. A 4.00% transfer fee (minimum $5) will apply.
Because every dollar matters, a Consumers Low Rate Mastercard® is our best value to help you save on purchases. Get the service you expect plus a competitive low interest rate. No annual fee and free instant-issue card printed at an office.
Bonus: New cardholders can get an introductory 4.99% APR on purchases for the first 7 billing cycles following account opening. After that, the APR will revert to the cardholder’s standard variable rate (10.49% – 22.99%). You will also receive an introductory 0% APR* on balance transfers for the first 7 billing cycles after account opening and transferred balances within 45 days. A 4.00% transfer fee (minimum $5) will apply.
How to transfer your balances
View your credit card options, and apply for the one you want here.
Your balance transfer request must be made through Online Banking. If you’re new to Online Banking, you’ll need to register to get started. Click the link here to begin. This how-to guide will help.
Once enrolled, here’s how to request a balance transfer:
- Log in to Online Banking.
- On your main dashboard, click on the credit card tile or account name.
- Click on the Card Services tab.
- Click on the Balance Transfer button.
- Complete the form with the other financial institution’s information, and click Next to send off the information.
You should see the adjustment to your balance made within 24 hours. Once we send a check, you will see that amount posted to your credit card balance.
View the complete how-to guide here.
Rates as of January 3, 2024. Approval subject to credit review. Rates, fees, and terms are subject to change and may be terminated at any time. For more information, please refer to your Truth in Lending Statement or Cardholder Agreement accompanying your card.
*Introductory 0% APR is available for balance transfers on new personal credit cards processed within 45 days after account opening and will apply for 7 billing cycles from date of credit card application approval. After 7 billing cycles, unpaid balances revert to the cardholder’s regular balance transfer APR (14.49% – 22.99%). Balance transfers submitted after 45 days of account opening will receive the cardholder’s regular balance transfer APR (14.49% – 22.99%). A fee of 4% of the amount of each transfer with a minimum of $5.00 will apply. The cardholder’s standard variable APR (10.49% – 22.99%) will apply to any other purchases made. Balance transfers will be processed as cash transactions and will incur finance charges immediately. The minimum payment will be applied to lowest rate balances first while all payments exceeding the minimum payment due each billing period will be applied to balances with higher APRs prior to balances with lower APRs. Balance Transfers may not be used to pay off credit cards or other loan accounts held with Consumers. Balance transfers do not
**Earn 1.50% Cash Back for every one dollar spent on purchases less credits, returns, and adjustments during a statement period. Cash advances, balances transfers, fees and finance charges do not earn Cash Back. Cash Back earned during your billing cycle will be disclosed on your credit card statement. Cash Back is available for redemption as transactions post. Members must redeem Cash Back in $1.00 increments. Cash Back redemptions to a deposit account or for statement credit will not satisfy the minimum payment due. This product is limited to personal credit cards.
1 Earn 3.00% cash back for every dollar spent on all purchases for the first six months after opening a new personal Cash Back credit card. Cash advances, balance transfers, fees and finance charges do not earn cash back and do not qualify as transactions. All other purchases will continue to receive cash back at the normal rate during the promotional period. Promotional cash back earned during your billing cycle will be disclosed on your credit card statement.
2 Earn 3x rewards points for every dollar spent on all purchases for the first six months after opening a new personal Rewards credit card. Cash advances, balance transfers, fees and finance charges do not earn points and do not qualify as transactions. Points for all other purchases will continue to accrue at one point per every dollar spent during the promotional period. Promotional rewards points earned during your billing cycle will be disclosed on your credit card statement.
