Still paying high interest on other credit cards? Move your balances to a BrightStar Credit Union credit card and take control with one low-rate card, fewer payments, and a smarter way to manage debt.
Why Transfer Your Balance to BrightStar?
Save Money on Interest
Enjoy lower rates than most major credit cards. More of your payment goes toward your principal — not interest.
One Simple Payment
Consolidate multiple card balances into one easy monthly payment. Less to track, less to worry about.
No Balance Transfer Fee
Unlike most banks that charge 3–5% per transfer, BrightStar charges no balance transfer fee — saving you even more.
Faster Debt Payoff
With a lower rate and no transfer fee, more of every dollar you pay goes straight to reducing your balance.
No Hidden Fees
Transparent terms with no surprises. Your APR is your standard variable rate — no special penalty rates on transfers.
Stress-Free Process
Quick, convenient, and can be requested fully online through your Online Banking account.
Interest and Fee Information
| APR for Balance Transfers | 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*. |
| Balance Transfer Fee | None |
| Paying Interest | We will begin charging interest on balance transfers on the transaction date. |
Already a BrightStar Cardholder?
Submit your balance transfer in a few simple steps through Online Banking.
Step 1: Log In
Log in to Online Banking from your desktop or the BrightStar Mobile Banking app.
Step 2: Manage Cards
From the navigation menu, go to Manage Cards → Card Services.
Step 3: Select Your Card
Select your card by clicking the card image or the "Manage Card" button.
Step 4: Find Balance Transfer
Scroll down and find the "Request a Balance Transfer" section on your card details page.
Step 5: Submit Request
Click "Balance Transfer" and complete the online request form. That's it!
Don't Have a BrightStar Credit Card?
Apply now and start saving today. Choose from our Visa Platinum, Cash Rewards, or Educator Rewards cards.
Important Disclosures
*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.
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 (1-888-567-8688) or write to: Equifax Options P.O. Box 740123, Atlanta, GA 30374-1023; Experian Information Solutions, Inc. P.O. Box 919, Allen, TX 75013; Trans Union Name Opt-Out Request, P.O. Box 505, Woodlyn, PA 19094-0505.
Balance Transfer Questions, Answered
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Ready to Start Saving on Interest?
Log in to your Online Banking to submit a balance transfer, or apply for a BrightStar credit card today.