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This card doesn’t earn rewards but it does offer a long 0% intro rate for purchases, balance transfers, and cash advances, with no balance transfer fee. Eligibility for the card is limited to family members of Premier America members, affiliated companies, Alliance for Arts members, and those who live in select counties in California and Texas.
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
Intro Balance Transfer APR | 0% for 6 months |
Regular Balance Transfer APR | 10.25%–17.25% Variable |
Balance Transfer Fee | None |
Penalty APR | N/A |
Late Fee | Up to $15 |
Returned Payment Fee | See Terms |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | 1% |
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 0% for 6 months, then 10.25%–17.25% Variable |
Cash Advance Fee | 3%, $3 minimum |
You can usually pay your bill online on your
Credit card issuer's website1-800-772-4000
This card is great for balance transfers since there’s no fee, and you’ll get a 0% introductory rate on balance transfers, purchases, and cash advances for 6 months, after which your rates will be 10.25%–17.25% Variable.
You’ll get just a few benefits including ID Theft Protection, an Airport Concierge, and Mastercard Global Service.
Before you can apply for the card you’ll have to become a member of Premier America Credit Union. Eligibility is available if:
This card also has no annual fee.