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Transfer high rate balances

Mastercard® Balance Transfer

Rising credit card rates have you worried? We've got you covered.

Get a fresh start when you transfer your high rate credit card balances to our Mastercard® credit card.

New cardholders

Take advantage of Simply's introductory rate of 0% on balance transfers for 14 months and no annual fees*. Apply for a Simply credit card online.

Existing cardholders

For a limited time, you'll receive a lifetime rate of 5.69% and no balance transfer fees!** Contact our cardholder service center at 888-999-0103 to start the transfer process or apply for a credit line increase online.

Transferring is easier than you think, so get started now!

*APR = Annual Percentage Rate. The APR will be based on the Prime Rate as published in the Wall Street Journal Money section (index) plus a margin between 8.49% and 14.75% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%. Eligibility for the lowest rate which is stated is based on several factors including, but not limited to, credit worthiness, ability to repay, credit score, term, and other conditions. Not all borrowers will qualify for the lowest rate. Introductory rates apply to new credit card accounts only. View Consumer Application and Solicitation Disclosure, Consumer Credit Card Agreement and Disclosure and Business Credit Card Agreement.

**APR = Annual Percentage Rate. Promotional offer available February 1, 2023 through April 1, 2023. The rate will remain in effect until the transferred balance is paid in full. Payments are first applied to balances with the highest APR. Offer valid to cardholders in good standing with available balance. Transfers are for balances not associated with Guardians CU and all divisions.