(Existing Credit Cardholders Only)**
Struggling with high-interest credit card debt? Take control of your finances with a limited-time balance transfer offer from BrightStar Credit Union.
Transform Your Credit Card Debt
Take control of your finances with our limited-time balance transfer offer. Enjoy lower rates and start saving today.
9.99% APR
Lock in this competitive rate for 12 months on balance transfers completed by March 31, 2025
Zero Transfer Fees
Transfer your balance without any additional costs or hidden charges
No Annual Fee
Keep more money in your pocket with our no-annual-fee credit card
Quick & Easy
Complete your balance transfer online in just a few minutes
How to Get Started
Access Your Account
Log in to Online Banking
Card Management
Navigate to Manage Cards
Select Services
Go to Card Services
Choose Card
Select your credit card, then click Manage Card or tap the card
Start Transfer
Navigate to Balance Transfer and follow the prompts
| Interest and Fee Information | |
|---|---|
| APR for Balance Transfers | Introductory APR of 9.99% for 12 billing cycles. After that, your APR will be your Variable Standard APR on your BrightStar Credit Card. This APR will vary with the market based on the Prime Rate*. |
| Use by Date | The balance transfer promotion is effective until March 31, 2025. |
| Balance Transfer Fee | None |
| Paying Interest | We will begin charging interest on balance transfers on the transaction date. |
*The Prime Rate used to determine your APR is the highest rate published in the Wall Street Journal as selected by the Credit Union in the calendar month preceding the month in which the APR changes. Transfers and balance payoffs will not result in closure of your other credit cards/loans. You must notify the financial institution directly to request account closure. Transfers will NOT be initiated in excess of your credit limit. Any balance remaining with another financial institution after the balance transfer check is issued will be your responsibility. It is your responsibility to make minimum payments on your other credit cards/loans until the balance(s) have been transferred. All overpayments must be refunded by the other institution. You may not use balance transfers to pay off existing BrightStar CU loans or lines of credit.
** Exclusions apply-Promotion is for existing cardholders who have had their credit card opened for 3 months and are in good standing.**
PRESCREEN AND OPT-OUT NOTICE
This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit in connection with any credit transaction that is not initiated by you, call the consumer reporting agencies toll-free 1-888-5-OPT-OUT or 1-888-567-8688 or by writing these agencies: Equifax Options P.O. Box 740123, Atlanta, Ga. 30374-1023 and Experian Information Solutions, Inc. P.O. Box 919, Allen, TX 75013; and Trans Union Name Opt-Out Request, P.O. Box 505, Woodlyn, PA 19094-0505.
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