Balance Transfer

Transfer. Save. Repeat.

Ready to pay off credit card debt in the new year? Enjoy 0% APR* for 12 months on credit card balance transfers made by March 15th to your Visa Signature® or Platinum credit card.* After that, your standard variable rate of 8.90% – 14.99% applies once the promotional period ends (balance transfer fee is 3% or $10 minimum).

For Visa® Classic cardholders, get 5.99% APR* for 12 months on credit card balance transfers made by March 15th to your Visa Classic card.* After that, your standard variable rate of 11.99-16.99% applies once the promotional period ends (balance transfer fee is 3% or $10 minimum).

Don’t have a Georgia’s Own Visa? With 0% on balance transfers, there is no better time to apply! In addition to our special rate, enjoy the convenience of contactless payments, enhanced fraud controls, points for every dollar you charge, and mobile wallet capability.
 
Don’t wait. Apply today!
 
Apply Today

 
*For qualified members. Promotional rate valid for 365 days from date of first balance transfer on any balance transfer made to a qualified Georgia’s Own Visa credit card between January 15, 2021 and March 15, 2021. Secured and Business cards are excluded from this offer. To receive the promotional rate, the minimum balance transfer amount must be $500 or more. Promotional APR for Signature and Platinum cards is 0.00%. After that, your APR for transfers will revert to your standard variable APR of 11.99-14.99% for Visa Signature; 9.99-12.99% for Visa Platinum; and 12.99% for Student Visa cards. APR will vary based on Prime Rate. Additionally, the APR for transfers will revert to the standard fixed APR of 8.90% for DOCO Platinum cardholders. Promotional APR for Classic cards is 5.99%. After that, your APR for transfers will revert to your standard variable APR of 11.99-16.99% for Visa Classic. The Penalty APR is a variable rate determined by adding 14.74% to the Prime Rate for Platinum cards. Penalty rate is 24.99% APR for Signature cards. The penalty rate is 17.99% APR for Classic cards. There is no penalty rate for DOCO Platinum cardholders. Balance transfer fee is 3% of the balance transfer or $10 minimum (There is no balance transfer fee for DOCO Platinum cardholders). Cash advance fee is 3% of advance amount (or $1.00 for DOCO Platinum cardholders). Foreign transaction fee is 2% of each multiple currency transaction (or .80% of each single currency transaction or 1.00% of each multiple currency transaction in US dollars for DOCO Platinum cardholders). We will not process any balance transfer requests that are from any account or loan issued by Georgia’s Own. To benefit from a grace period and avoid additional interest on purchases, you must pay your balance in full by payment due date. This includes any promotional balance transfers.