Visa® Credit Card balance transfers
Transfer your credit card balances and enjoy rates as low as 0% APR for up to 12 months.1 After that, get a competitive low variable rate. Don't have an Advia Visa® Platinum Credit Card? Choose the card option that works best for you.
Already have an Advia Visa® Credit Card? See transfer offers just for you.
Reduce debt faster with a low-rate credit card balance transfer.
Save big when you transfer outside credit card balances to your Advia Visa® Platinum Credit Card. Whether you have holiday debt from store cards, balances on high-interest credit cards, or personal loans, save money on interest with a low-rate balance transfer.
How do you do a credit card balance transfer?
You'll just need the other bank’s name, address, account number, and the amount you want to transfer. Then follow these steps:
- Log in to Digital Banking
- Navigate to 'My Cards'
- Select 'Balance Transfer' and follow the prompts
If you need a higher credit limit, contact us to apply.
Credit Card Balance Transfer FAQs: Your Questions Answered
A credit card balance transfer allows you to move an existing balance from another financial institution to your Advia Visa® Credit Card so you can take advantage of a lower promotional rate. At Advia, the process is simple! Once you provide the required account details for the balance you want to move, the amount you choose to transfer is added to your Advia Visa® account under the applicable promotional terms.
Yes, you would need to be approved for an Advia credit card to complete a balance transfer. You can transfer balances from another financial institution’s credit card, store card, retail card, or other qualifying loan. You cannot transfer balances to other Advia credit cards, loans, lines of credit, or mortgages.
New Advia Visa® cardholders receive a low introductory APR on balance transfers, and the length of that promotional period depends on the credit card you're transferring to. With the Visa® Platinum Variable Rate Credit Card, balance transfers completed within the first three months after opening the account qualify for a special introductory APR that lasts for 12 billing cycles, beginning on the date the first transfer posts. For the Visa® Platinum Advantage Points Credit Card, eligible balance transfers made during the first three months receive the promotional APR for 6 billing cycles, also starting from the date of the first completed transfer. After the promotional window ends, the card’s standard variable APR applies to any remaining balance.
Yes. Each balance transfer processed to an Advia Visa® Credit Card includes a transfer fee of $10 or 3% of the amount transferred (whichever is greater). This fee is added to your Advia Visa® account at the time the transfer posts. Late payments or account issues may also impact your eligibility for promotional intro rates.
To transfer a balance to your Advia Visa® Credit Card, you'll need the other financial institution’s name, address, account number (for credit cards, this is typically the full 16‑digit card number), and the amount you want to transfer. Simply log in to Digital Banking, then click 'My Cards' and 'Balance Transfer' to get started.
Yes! You can transfer balances from another bank or credit union's credit card, or a store card, retail card, or other qualifying loan. You cannot transfer balances to other Advia credit cards, loans, lines of credit, or mortgages.
A balance transfer itself doesn’t typically change your credit score right away. However, your score can shift based on how the transfer affects things like your total balances, your payment history, and your overall credit usage. If you’re opening a new Advia credit card to complete the transfer, a credit check will be required and that inquiry may cause a small, temporary dip in your score.
If your payment isn’t made by the due date, a late fee is added to your account the following day. Your statement is generated on the 1st of each month, and your payment is due on the 26th, giving you a 25‑day window to make your payment. Staying on time is especially important during the promotional period, as late payments can cause you to lose your introductory APR offer.
There is a $10 minimum. The maximum is based on your card's credit limit. Any fees associated with the balance transfer will count towards your card's credit limit.
Yes! You can bring over balances from several cards or loans and roll them into one balance with your Advia Visa® Credit Card, as long as your available credit limit allows.
Still have questions about doing a credit card balance transfer?
- Visa® Platinum Advantage Points Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Platinum Advantage Points Credit Card for the first 6 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 6 billing cycles from date of first balance transfer. The non-promotional variable APR will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional rate has a range of 14.24% to 22.24% APR, based on your creditworthiness. Visa® Platinum Variable Rate Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Variable Rate Credit Card for the first 12 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 12 billing cycles from date of first balance transfer. The non-promotional variable APR will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional rate has a range of 12.24% to 20.24% APR, based on your creditworthiness.
- Advia Visa Platinum Variable Rate Credit Card non-promotional rate has a range of 12.24% to 20.24% APR. Annual Percentage Rate is based on creditworthiness of borrower. The APR is subject to change quarterly based on the Prime Rate on the first day of each calendar quarter (January, April, July, and October), to which we add a margin. An increase in the index will result in an increase in your APR.
- Source: The weekly national average credit card interest rate as of 12/10/2025 is 19.80% APR according to Bankrate: https://www.bankrate.com/credit-cards/advice/current-interest-rates/.
- Estimated member savings in 2025 were $4,031 in average interest saved per transferred loan.
A balance transfer fee of either $10 or 3% of the amount transferred, whichever is greater, will be assessed for each balance transfer processed on that account. Late payments or other account violations may result in the loss of the intro APR. If account is delinquent or over-limit at time of transfer, the intro rate will not apply. Promotional offer does not extend to Business Visa Platinum Credit Card. Loans held with Advia are ineligible for this promotion. Must be 18 or older. Rates as of 01/02/2026. Offer and rates are subject to change at any time. APR = Annual Percentage Rate. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to approval. Equal Opportunity Lender.