Two women having coffee and a conversation outside during a cold sunny day.

Start a new
winter tradition.

This winter, transfer your credit card balances to our Visa Platinum with a low promotional rate & no balance transfer fees.*

Title
Start saving with a TwinStar Visa® Platinum card!

You did all your holiday shopping and ran a balance on your credit cards. It’s time for a new winter tradition!

Get a low promotional rate on balance transfers for 12 months.
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. If you prefer a card with rewards, transfer to a Visa® Platinum Rewards with low promotional rate of 2.99% APR* for 12 months and a 7.00% variable APR* thereafter. 

Pay $0 fees on balance transfers from your high-interest credit cards.
Get a fresh start by transferring a high-interest rate card without paying any balance transfer fees. You’ll be celebrating with savings! 

Get a low intro rate for 6 months on purchases with a new Visa Platinum card!
For the first 6 months, get a low introductory rate of 1.90% for on purchases with a new TwinStar Visa Platinum card. After the promo period ends, a standard low APR will apply, ranging from 9.0% -11.0% variable APR*.

Offer expires March 9th, 2022.

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%

Setting up your balance transfer

Applying for a new TwinStar Visa card?

Apply for a Visa Platinum or Platinum Rewards card online. Indicate in the app that you are interested in a balance transfer. Once your application is approved, we will reach out to you to help you set it all up.

You'll need the following information to complete your 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)

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)

Visa Platinum & Visa Platinum Rewards

Choose the card that fits your lifestyle.
Visa Platinum credit card.

Visa Platinum

The best card for members with established credit. Higher limits and lower rates make this the perfect card to carry everywhere. Move balances away from other high-rate cards and enjoy lower interest rates.

Promotional Balance Transfer APR: 1.99% for the first 12 months 
Balance Transfer APR after 12 months: 6.00% APR Variable 
Intro purchase APR*: 1.90% for the first 180 days 
Purchase APR: 9.00% APR Variable  
Cash APR: 12.00% APR Variable 
Annual Fee: None 
Rewards: None 
Starting Credit Limit: $2500 + up 

Visa Platinum Rewards credit card.

Visa Platinum Rewards

Earn rewards and points with every eligible purchase. Use your rewards for airline tickets with no blackout dates and few restrictions. Book hotel rooms and cruises, purchase merchandise and gift cards, and more!3

Promotional Balance Transfer APR: 2.99% for the first 12 months
Balance Transfer APR after 12 months: 7.00% APR Variable 
Intro purchase APR*: 1.90% for the first 180 days 
Purchase APR: 11.00% APR Variable 
Cash APR: 13.00% APR Variable 
Annual Fee: $25 
Rewards: Yes 
Starting Credit Limit: $2500 + up

Plus, check out the great benefits you get with the Visa Platinum cards!

Manage your cards, get identity theft protection and peace of mind with TwinStar Visa.
Woman using her card to shop online at a cafe.

Protect yourself with Card Manager.

Control your cards with our convenient Card Manager app. You can turn your cards off completely or disable them from being used in places you do not normally go.4

Person checking phone in a bright room.

Your partner against identity theft. 

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly.1

Two people enjoying a sunset at a tropical location.

Add peace of mind to your itinerary.

Use your Visa card to purchase tickets when traveling and receive $500,000 of accidental death and dismemberment coverage with Travel Accident Insurance2. Plus, call anytime for Travel or Emergency Assistance Services2, available for covered Visa cardholders from anywhere in the world.

Choose the card that fits your lifestyle and apply today.

* 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

1. No one can prevent all identity theft. 

2. Click here for more details on available benefits: 
 https://www.twinstarcu.com/help/what-other-benefits-do-i-get-my-visa-credit-cards 

3. For more details on rewards and points, please click here: 
https://www.twinstarcu.com/rewards 

4. Message and data rates may apply.