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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