Visa Balance Transfer Introductory Rate
Visa Balance Transfer Form
*APR=Annual Percentage Rate.
** Once your 9 month 3.99% APR on balance transfers expires, the balance transfer rate reverts to your variable rate of 8.95% APR – 17.95% APR based on your credit worthiness.
Balance Transfer Offer Valid to New Wanigas CU VISA Cardholders during their first 90 days only. Balance transfer amount must be $500 or more to qualify for Introductory Rate.
No Balance Transfer Fee.
A Wanigas Credit Union Visa Platinum card includes:
- EMV Chip
- Visa® Purchase Alerts
- Competitive rates
- No annual fee
- 25-day grace period on all purchases
- CURewards Points earned with every purchase (details below)
- Visa auto rental insurance
- Free travel accident insurance
- Optional automatic payment plan
- 24-hour ATM cash access
- To report your card lost or stolen call (800) 449-7728, as soon as possible.
Wanigas Credit Union likes to find ways to reward our members – like with our Visa Platinum CURewards program. Every time you use your card, you earn points which you can then redeem for valuable awards. There are hundreds of awards ranging from exotic getaways and cruises to LCD TVs and power tools. Whatever your point balance or interests are, there’s bound to be an exciting award perfect for you.
Learn more about CURewards and shop their online catalog of awards here
CURewards Mobile App
The CURewards Mobile App, available for iPhone and Android devices, enables you to search merchant offers, earn points, create favorites, redeem points for merchandise and much more.
Visa® Purchase Alerts is a free consumer opt in service that allows members to receive text messages or email alerts any time a qualified VISA transaction* takes place on their VISA Platinum card. With near real-time Visa Purchase Alerts, you can receive updates on your Wanigas Visa card activity to help reduce fraud and monitor your accounts, wherever you are. Sign up here today!
How it Works
To receive VISA Purchase Alerts, cardholders can sign up through VISA.com, using the VISA Purchase Alerts Login. Once enrolled, cardholders can establish specific alert triggers.
Anytime a qualified VISA transaction* takes place that meets the cardholder's defined parameters, he or she receives an alert in seconds via email and/or SMS text message**.
Triggers can include:
- Individual transaction amount thresholds
- International transactions
- Card-absent transactions, such as telephone or online orders
Through VISA Purchase Alerts, cardholders have the ability to:
- Closely monitor their VISA credit, debit or prepaid accounts
- Check for unusual transaction activity and/or track spending levels immediately
- Take action at the first sign of potential fraud
*A qualified transaction is any transaction routed through VisaNet, including Interlink and Plus.
**Text message charges may apply. See service provider's terms and conditions.
Actual time to receive Alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.
The EMV Chip in your Wanigas Visa Credit Card helps make your card even more safe and convenient:
- When purchasing items at a merchant, your chip creates a unique one-time code behind the scenes, allowing the transaction to be processed. This feature is virtually impossible to replicate in a counterfeit card.
- The EMV Chip allows increased usability by allowing usage internationally.
For more information, visit Visa's Credit Card with Chip webpage.
Help Play it Safe!
Loan Shield* is a voluntary loan-payment protection product that is designed to help you get relief from loan payments if one of the following protected life events happens to you:
- loss of life
- accidental dismemberment
- terminal illness
- family medical leave
- loss of life of a non-protected dependent
- involuntary unemployment
If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Loan Shield could cancel or waive your loan payments up to contract maximums. Help lessen your worries, and your family's worries, about paying loans during a time when your income could be reduced or lost and paying other household bills could become challenging. Talk to us today about protecting your loan payments. Simple eligibility requirements may help ease the election process.
*Your purchase of Loan Shield is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Loan Shield. You may cancel the protection at any time. If you cancel the protection within 30 days you will receive a full refund of any fee paid.