Start the new year off with a 0% APR* credit card balance transfer


Woman wearing a striped, white shirt holding a credit card

Consumers is here to help you get your budget back on track after holiday spending. From January 1 until March 31, you can transfer your high-rate credit card balances to your new or existing Consumers Mastercard® and enjoy a special 0% APR* for 7 months!

A 4.00% balance transfer fee or $5 (whichever is higher) will apply. After the first 7 billing cycles, your regular variable balance transfer rate (14.49% – 22.99% APR) will apply.

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.

If you don’t yet have a Consumers credit card, check out our offers for new cardholders here.

Here’s how to request a balance transfer through Online Banking:

  1. Log in to Online Banking
  2. On your main dashboard, click on the credit card tile or account name.
  3. Click on the Card Services tab.
  4. Click on the Balance Transfer button.
  5. 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. 

Hurry! This offer expires March 31, 2024.


*0% APR available and a $5 or 4.00% transfer fee (whichever is higher) for balance transfers submitted January 1, 2024, through March 31, 2024. New and existing personal cards are eligible except for cards opened between 11/02/23 and 01/01/24. The 0% APR balance transfer rate is good for 7 billing periods from the date of the first balance transfer. After this date, unpaid balances revert to your regular variable balance transfer rate (14.49% – 22.99% APR). 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. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Rewards are not awarded for transferred balances. Only members with accounts in good standing are eligible. For more details, please refer to your Truth-in-Lending statement or the Card Member Agreement accompanying your card. Approval subject to credit review. Promotional rates, fees, and terms subject to change and may be terminated at any time.

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  1. Stephanie D says:

    How do I apply for this card? Please Advise.

  2. Hassan Shahsavand says:

    I got an error when visiting onlinebanking.consumerscu.org/registration.

    Error code: 1020
    Ray ID: 7943587f79703a91
    Country: IR
    Data center: fra12
    Timestamp: 2023-02-04 12:17:52 UTC

  3. Suzanne Reynolds says:

    I would like to close my consumers credit card

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