intro rate as low as
1.99% APR*
Transfer your high-interest credit card to an Honor credit card with no balance transfer fees!
Get Started With an Honor Credit Card
A balance transfer is the perfect solution. Consolidate your balances into one easy monthly payment and reduce interest with a low-rate transfer to a new or existing Honor credit card.
Balance Transfer Form
Thanks for being an Honor member, and for being an Honor credit cardholder! As an existing cardholder, you can start the balance transfer process by filling out our simple and secure form below.
**Please Note**
If you are looking to transfer more than one credit card balance, please complete this form for each specific transfer.
What You Will Need:
- Name and payment address of the other financial institution or merchant
- Full credit card number
- The balance of the card(s) you want to transfer
*Please Note*
Response Time: All balance transfer requests are processed during normal business hours Monday – Friday, and you can expect a response within 1-2 business days
After Submitting: We recommend you continue to monitor your old account for two weeks to avoid late payments or other fees
Need Help?
If you have questions, we’re here to help. Stop by a local member center, or give us a call at 800.442.2800.
Choose the Right Card For You
Not an Honor cardholder? No problem! Before you begin the balance transfer process, let’s get an Honor credit card opened for you. We offer two great credit cards to fit your lifestyle. Both of our credit cards feature no annual fees, no balance transfer fees, and no cash advance fees.
Select
Credit Card
Perfect for balance transfers and building credit.
- Low Rate Credit Card
- No Annual Fee
- No Cash Advance Fee
- No Balance Transfer Fee
Select Rewards
Credit Card
Ideal for shoppers looking to earn rewards and cash back.
- Earn 2 reward points per $1 spent
- Redeem points for cash
- back, travel, and more1
- No Annual Fee, Cash Advance Fee, or Balance Transfer Fee
**APR = Annual Percentage Rate.
1 Transactions associated with gambling, sports betting and/or gaming purchases not eligible to accrue reward points.
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
Take Control of Your Debt with a Credit Card Balance Transfer
Need a way to pay off your debt at a more affordable rate? Imagine consolidating your debt into one manageable payment. Here’s everything you need to know about credit card balance transfers.
Six Ways To Manage Your Debt
Read tips about how Honor can help you create a budget, manage your loan payments, prepare for your financial future, and even start saving money.
How To Get Your Budget Back On Track After The Holidays
A few simple tips to stop racking up more credit card debt, and to stop making impulse purchases on Amazon and other online retailers.
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!
*APR= Annual Percentage Rate. Intro APR as low as 1.99% on balance transfers of $500 or more to an Honor Credit Union credit card from a non-Honor Credit Union credit card. Purchases and cash advances excluded. Balance transfers must be completed by March 31, 2025. Intro rate is valid through December 31, 2025. 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 eligible. Existing credit card or loan balances held at Honor CU 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.
