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Lower your monthly payment

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

Take advantage of a low promotional rate*

Your health and financial peace of mind is important to us at TwinStar as we all deal with the pandemic. We are offering a special promotion to replace your high-interest rate credit cards so you can save and plan for the future. Transfer your balances to our Visa Platinum without balance transfer fees, plus a low promotional rate of 1.99% APR* for 12 months and a 7.50% variable APR* thereafter. We are here for you and our hearts are with everyone affected by this situation.

Should I transfer my credit card balances?

Want to estimate what your payments would be? Use this handy calculator.
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Apply now or call us 800.258.3115 before the special offer ends on June 9, 2020.

Balance Transfer Rates

promotional APR for 12 months*
1.99%
variable APR after 12 months
7.50%
promotional APR for 12 months*
2.99%
variable APR after 12 months
8.50%
*APR = Annual Percentage Rate. Promo APR applies to balance transfers posted to a Visa Platinum or Visa Platinum Rewards account between 4/1/20 – 6/9/20. 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 between 7.50% - 8.50%, based on account type. APR will vary with the market based on the Prime Rate. 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. Rates accurate as of 3/10/2020. Reward program details and restrictions apply. Contact TwinStar for additional program terms and conditions.

 

Get your Visa card

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

TwinStar Visa Cards

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Visa Classic

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

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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.

Calculate how long it will take to pay off your credit card

Want to estimate what your payments would be? Use this handy calculator.
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Protect yourself with Card Manager

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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