Feeling Stuck with Credit Card Debt?
Let’s change that! Transfer your high-interest credit card balance to an Honor credit card and get a rate as low as 1.99% APR through the end of the year* – with no balance transfer fees. It’s a simple step that could help you pay down debt faster and start making real progress.
Feeling Stuck With Credit Card Debt?
Let’s Change That! Transfer your high-interest credit card balance to an Honor credit card and get a rate as low as 1.99% APR through the end of the year* – with no balance transfer fees. It’s a simple step that could help you pay down debt faster and start making real progress.
A Lower Rate Could Help You Move Forward
You don’t have to stay stuck in the cycle of high-interest debt. Choose an Honor credit card and apply to begin. Once approved, you can transfer eligible balances and start moving forward with a lower-rate offer.
*APR= Annual Percentage Rate. Intro APR as low as 1.99% on balance transfers to an Honor Credit Union Select or Select Rewards credit card from a non-Honor Credit Union credit card, with no balance transfer fee. Purchases and cash advances excluded. Balance transfers must be completed by April 30, 2026. Intro rate is valid through December 31, 2026. After that, the variable APR will be from Prime Rate + 5.24% to Prime Rate + 17.24% with a maximum APR of 25.00%, based on your creditworthiness and other factors. New and current cardholders are eligible. Business credit cards are ineligible for promotional rate. Existing credit card or loan balances held at Honor Credit Union cannot be refinanced to the promotional rate. Credit card approval depends on creditworthiness and other qualifications. Rates, terms and conditions are subject to change without notice. Insured by NCUA.
Select The Best Credit Card
How a Balance Transfer Works
Looking to pay off credit card debt faster? A balance transfer with an Honor credit card could be the perfect solution. Simplify your finances by consolidating your balances into one easy monthly payment while enjoying reduced interest rates. To qualify for a balance transfer, you must have an Honor credit card—either an existing one or by opening a new account. Take advantage of a low-rate transfer today and start saving! Fill out the form below to get started.
Request a
balance transfer
Request a balance transfer by filling out our online form, calling us, scheduling an appointment, or by stopping by a local member center.
Request
Processed
Our team will walk you through the process. This may include Honor membership and/or new credit card opening.
Transfer
Complete
We’ll send a payment on your behalf to the credit card vendor. That payment amount will then be added to your Honor card balance.
Begin making payments
Once the transfer is complete you can begin making payments on your Honor credit card like you would any other credit card.
monitor your
old card
We recommend you monitor activity on your old card for 1-2 months for any accrued interest or unexpected charges.
Top Reasons to Transfer Your Balance
No Fees!
While many banks charge 3-5% for balance transfers, we don’t! Plus, Honor credit cards have no annual fees and no cash advance fees—helping you keep more of your money.
Faster Payoff
With no balance transfer or annual fees and low rates, Honor helps you pay off your balance faster.
One-on-One Help
If you’re new or need extra help, we’ll guide you through the balance transfer process to find the best solution!
GreenPath Financial Wellness
We’ve partnered with GreenPath Financial Wellness to support your unique financial journey. Everyone’s situation is different, and they’ll work with you to create a plan tailored to your needs.
Personalized Plan
Work one-on-one with an expert to build a plan that works for you to pay off debt.
Credit Score Improvement
Using GreenPath resources can help boost your credit score.
Online Learning Services
GreenPath provides a free online learning platform, allowing you to explore financial topics at your own pace.
More to Explore
Balance Transfer FAQs
If you have a high-interest credit card racking up debt and want to move this amount to a lower-interest card, consider a balance transfer for debt consolidation. Balance transfers are a helpful tool for anyone able to pay off the balance quickly or at a lower rate to save on interest.
Every situation is different. We recommend you reach out to us so we can evaluate your needs, and give you a personalized recommendation.
Too many balance transfers can make it appear to creditors that you can’t pay your bills and are just shuffling high-interest debts to lower interest cards without the intention of paying off these balances quickly.
Most balance transfers are generally processed between 7 to 10 days, but different factors can affect that time frame. We recommend that if you have a scheduled payment coming up on the card balance you are transferring that you make that payment to be safe.
Absolutely! That’s actually a pretty common transaction. If you need help deciding what balances to transfer from what cards we would be happy to help!