A happy young boy sledding

Create your own
snow day

Transfer your balances to our Visa Platinum without balance transfer fees, plus a low promotional rate.*

Take advantage of a low promotional rate*

This year has you feeling like it’s one long snow day with Zoom meetings, remote school, and working in jammies. Plus, you did all your holiday shopping online and ran a balance on your credit cards.

Take a break from high-interest rates and transfer your balances to our Visa® Platinum with a low promotional rate of 1.99% APR* for 12 months and a 6.00% variable APR* thereafter. And you’ll pay no balance transfer fees. It’ll feel just like a real snow day!

Already have a TwinStar Visa Card?

Send us a secure message in Online Banking or chat with us to let us know you're interested in completing a balance transfer. We’ll connect you with a specialist to complete your transfer.

You'll need the following information to complete the balance transfer:

  1. Name of your card issuer (Payee).
  2. Full card number
  3. Name as listed on the card
  4. The amount you want to transfer
  5. Payment mailing address (PO Box for payments)

Balance Transfer Rates

promotional APR for 12 months*
1.99%
variable APR after 12 months
6.00%
promotional APR for 12 months*
2.99%
variable APR after 12 months
7.00%
*APR = Annual Percentage Rate. Promo APR applies to balance transfers posted to a Visa® Platinum or Visa® Platinum Rewards account between 1/10/2021-3/9/2021. Promo rate of 1.99% APR on Visa® Platinum; and 2.99% for Visa® Platinum Rewards on balance transfers for 12 months from the date of the first promotional balance transfer, after which balance transfer rates will vary based on account type. APR will vary with the market based on the Prime Rate. Non-promotional variable rates are 6.00% APR on Visa® Platinum; and 7.00% for Visa® Platinum Rewards. Rates accurate as of 12/20/2020. After 12 months the non-promotional variable APR in effect for balance transfers will apply to any remaining balance. Only balances transferred from a non-TwinStar credit card account qualify for a balance transfer. Other Visa types are not eligible. Visa® Platinum Rewards annual fee is $25. Rates, terms and conditions are subject to change and may vary. All loans subject to approval. Reward program details and restrictions apply. Contact TwinStar for additional program terms and conditions.

 

TwinStar Visa Cards

Visa classic credit card image
Visa Classic

For those in need of a basic credit card, the TwinStar Classic card is for you. 

visa platinum credit card image
Platinum Visa Card

The Platinum Visa from TwinStar is the best option for members with established credit. 

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Visa Platinum Rewards

The Platinum Rewards card designed for our members who want to earn rewards with each eligible purchase.

Get your Visa card

Apply online or by phone 24/7 and get approved in minutes

Protect yourself with Card Manager

Woman using card manager app to turn off her card

The power to control your cards is now in a convenient app. You can turn your cards off completely or just block them from being used in places you don't normally go. 

Frequently asked questions

* APR = Annual Percentage Rate. All rates based on approved credit.

Method of Balance Computation: Average Daily Balance (including current purchases)
Grace Period: 21 days
Minimum Payment: 3% of the balance or minimum $25 whichever is greater.
Late Payment Fee: Payments more than 4 days past due will be charged $20.00

The fixed introductory rate applies to new purchases posted to a new Visa® account for 180 days from the account open date. Your rate for purchases and unpaid balances after the 180-day introductory period will be adjusted to non-introductory rates.

Rates are subject to change quarterly. The index is The Wall Street Journal Western Edition Prime Rate as of: February 28; May 31; August 31; November 30 of each calendar year, plus the margin. Rates are subject to change: March 10; June 10; September 10; and December 10 of each calendar year.

For full printable disclosure Click here. A printable card agreement can be found here