Save Money with a Balance Transfer
It’s easy to move high-interest balances to your Truliant credit card.
Move high-interest debt to a lower-rate card.
A balance transfer can help you save money on interest and pay down debt faster by moving balances from higher-rate credit cards to your Truliant credit card.
Whether you already have a Truliant credit card or you're thinking about applying for one, getting started is simple.
Already have a Truliant credit card?
- Sign in to Online Banking or the Truliant app.
- Select Credit Card (in the app, tap More).
- Tip: If you haven't already, you'll need to register your card.
- Select Balance Transfer and enter the payee’s:
- Name
- ZIP Code
- Account Number
- Transfer Amount
Then, simply review your information and submit your request.
A few things to keep in mind:
- Continue making payments on your current card until your transfer has been completed.
- Balance transfers typically take several business days (sometimes longer).
- A balance transfer fee may apply.
- Paying off your transferred balance before any introductory rate expires can help you maximize your savings.
Don't have a Truliant credit card yet?
Truliant offers two great options with introductory offers on qualifying balance transfers.
MaxBack Cash
$200 cash back bonus!
- Up to 5% cash back at Walmart, restaurants, pharmacies, on utilities, gas & more1
- Great intro offer for 12 months on purchases and qualifying balance transfers
- $200 bonus rewards after spending $1,000 in the first 90 days2
5%
max cash back
Radiant
Our lowest-rate card.
- Great intro offer for 15 months on purchases and qualifying balance transfers
- Perfect card if you carry a balance
- Rates as low as 11.74% APR4 after the intro period
11.74%
APR as low as
FAQs
A balance transfer is the process of moving debt from one credit card or account to another, usually to take advantage of lower interest rates.
By combining multiple credit card balances into one account you have only one monthly payment, one due date, easier budgeting, and tracking.
You can request a balance transfer by contacting your bank or credit card issuer, either online, by phone, or in person.
In most cases, you can transfer balances from several cards, if you stay within the credit limit of your new account.
Balance transfers can impact your credit score, especially if you open a new account or increase your total available credit.
Balance transfers usually take between 5-7 business days, but the timeframe may vary depending on the institutions involved.
Most banks charge a balance transfer fee, typically a percentage of the amount transferred. Be sure to check your card's terms and conditions.
Take advantage of our limited-time balance transfer offer to simplify your finances and save on interest. With Truliant, you can enjoy a 0% APR on balance transfers for the first 12 months for the MaxBack credit card, and 15 months for the Radiant credit card. To qualify, transfers must be completed within the first three months of opening your account and must come from accounts outside of Truliant. After the promotional period ends, any remaining balance will move to the card’s standard, non-variable APR. A balance transfer fee applies, and transferred balances are not eligible for rewards.
Rates and terms are subject to change. Loans are subject to credit approval.
1) Earn 5% cash back on utilities (including services like wireless, internet, electricity, and natural gas) and recurring subscription purchases (including services like streaming services and magazines), on up to $500 in purchases per month. Purchases in this category exceeding the monthly cap will earn 1% cash back. Earn 3% cash back on purchases at grocery stores, drug stores, discount stores (e.g., Walmart), variety stores (e.g., dollar stores), restaurants (including sit-down, fast food, bars, and taverns), gas stations (including pay-at-the-pump and in-store purchases), and EV charging stations, on up to $1,500 in purchases per month. Purchases in these categories exceeding the monthly cap will earn 1% cash back. Earn 1% cash back on all other eligible purchases. Cash back rewards are earned as transactions post to the account. Rewards may be redeemed as a statement credit at the cardholder’s request. Cash back rewards expire four (4) years from the date earned. Qualifying purchases are determined based on merchant category codes (MCCs) assigned by the merchant. Certain purchases may not qualify for bonus cash back if the merchant is not categorized in an eligible category. Rewards are subject to other terms, conditions, and limitations. See full Truliant Federal Credit Union card rewards terms and conditions.
2) $200 additional cash rewards after spending $1,000 in the first 90 days. Additional terms, conditions, and limitations apply. See full intro bonus cash rewards terms and conditions.
3) APR=Annual Percentage Rate. 0% APR for purchases and qualifying balance transfers during the first 12 months ("Promotional Period"). After the Promotional Period, the promotional rate reverts to the card’s 17.99% non-variable APR. To qualify for the 0% APR during the Promotional Period, balance transfers must be posted in the first three months. Offer valid for balances transferred from non-Truliant accounts. Balance transfer fee applies. Balance transfers do not earn rewards. See account terms for additional information.
4) APR=Annual Percentage Rate. 0% APR for purchases and qualifying balance transfers during the first 15 months ("Promotional Period"). After the Promotional Period, the promotional rate reverts to a variable APR between 11.74% and 17.99%. To qualify for the 0% APR during the Promotional Period, balance transfers must be posted in the first three months. Offer valid for balances transferred from non-Truliant accounts. Balance transfer fee applies. Balance transfers do not earn rewards. See account terms for additional information.
See the card agreements for our discontinued cards.