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A credit card balance transfer could help you save money.

Combining your non-USAA credit card balances may help you save on interest and pay off what you owe faster.

Get started with a balance transfer

Make a balance transfer work for you.

The "do's" of balance transfers

  • Read the fine print before you get a new card or transfer a balance.
  • Understand the fees, terms and conditions. Fees may be charged as a percentage of the balance transfer.
  • Find out if the interest rate is promotional and how long it'll last.‍ ‍ See note 1

The "don'ts" of balance transfers

  • Don't transfer balances to a credit card with a higher interest rate.
  • Don't close the credit card you transfer from without understanding the impact. This could affect your credit score.
  • Don't pay less than your monthly payment. Your account could eventually be in default.
  • Don't stop paying your minimum payment due. Balance transfers don't count toward it.

Need a USAA Bank credit card?

USAA Bank credit cards have great reward options and interest rates. Apply for one to start your balance transfer.

Explore USAA Bank credit cards

When to consider a balance transfer

If your monthly credit card statement makes you feel like you'll be paying off debt forever, know that you have options.

Read article: When to consider a balance transfer

Ready to transfer your credit card balance?

Get started with a balance transfer

Related footnotes:

  1. If you transfer a balance, write a Convenience Check, or take a Cash Advance, we will charge you interest on all new and outstanding Purchases (unless you have an introductory or promotional 0% APR on Purchases) until you pay your entire balance in full, including the amount of any Balance Transfer, Convenience Check or Cash Advance. After that, you will have a grace period on Purchases when you pay your entire statement balance each month by the payment due date.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. "USAA Bank" means USAA Federal Savings Bank.

  3. Bank products offered by USAA Federal Savings Bank.

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