Intro. 9.99% APR* for 15 Months on Balance Transfers
Free up your card balance before the holidays
Here's your chance to enjoy an introductory 9.99% 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 December 3, 2022. After the first 15 months, any unpaid balances revert to the cardholder's regular balance transfer rate (13.49 - 22.99% APR). No balance transfer fee.
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 gas and grocery purchases for the first 6 months
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 gas and grocery purchases for the first 6 months
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 offer: Get an introductory 9.99% APR on balance transfers for the first 15 billing cycles following account opening. After that, the APR will revert to the cardholder’s regular balance transfer rate (13.49% – 22.99%).
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.
- Click the Balance Transfer button.
- Complete the form and click Next to send off the information.
You should see the adjustment to your balance made within 24 hours.
View the complete how-to guide here.
Rates as of December 30, 2022. 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 9.99% APR is available for balance transfers on new personal credit cards processed within 45 days after account opening and will apply for 15 billing cycles from date of credit card application approval. After 15 billing cycles, unpaid balances revert to the cardholder’s regular balance transfer APR (13.49% – 22.99%). Balance transfers submitted after 45 days of account opening will receive the cardholder’s regular balance transfer APR (13.49% – 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 (9.49% – 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 reward points or cash back.
**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 qualifying gas and grocery purchases for the first six months after opening a new personal Cash Back credit card. Qualifying purchases will be based on merchants’ transaction codes through the network. 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 qualifying gas and grocery purchases for the first six months after opening a new personal Rewards credit card. Qualifying purchases will be based on merchants’ transaction codes through the network. 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.
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