Consumers is here to help you get your budget back on track after holiday spending. From now 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 13 months!

A 4.00% balance transfer fee or $5 (whichever is higher) will apply. After the first 13 billing cycles, your regular variable balance transfer rate (12.74% – 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.

Once you have submitted your balance transfer request, you should see the adjustment to your balance within 24 hours. It may take up to two weeks for the receiving institution to process your balance transfer. Please continue making payments to your other account(s) until the transfer is fully processed.

Hurry! This offer expires March 31, 2026.

*0% APR available and a $5 or 4.00% transfer fee (whichever is greater) for balance transfers submitted between 01/01/2026, through 03/31/2026. Existing personal cards opened prior to 11/01/2025 are eligible. The 0% APR balance transfer rate is good for 13 billing periods from the date of the first balance transfer. After the date, unpaid balances revert to your regular variable balance transfer rate (12.74%-22.99%). 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 balance 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.