Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
This Visa rewards card is only available to members of the Wings Financial Credit Union, but membership can be obtained through a donation of at least $5. This card offers a long 0% introductory purchase and balance transfer period, along with no balance transfer fee, making this a decent option if you’re trying to save interest on some debt.
Spending Rewards |
---|
|
Introductory Bonus |
---|
|
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 12 months |
Regular Balance Transfer APR | 14.20%–18.00% Variable |
Balance Transfer Fee | None |
Penalty APR | N/A |
Late Fee | Up to $27 |
Returned Payment Fee | Up to $27 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | None |
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 | 14.20%–18.00% Variable |
Cash Advance Fee | 2%, $10 minimum |
You can usually pay your bill online on your
Credit card issuer's websiteThis card is offered by the Wings Financial Credit Union, and membership is only open to:
One important highlight of this card is there are no balance transfer fees — which is kind of a big deal. You’ll get a 0% intro rate for purchases and balance transfers for 12 months, then your APRs will be 14.20%–18.00% Variable.
This card has no annual fee or foreign transaction fees.