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Beginnings Credit Union

Credit Card Balance Transfer

Start 2026 with a smart move:

 

Transfer your credit card balance to a Beginnings Rewards card, then enjoy 3.90% APR for the whole year!*

 

Promotional Details

  • 3.90% balance transfer promotional APR
  • Eligible cards: New and Existing Rewards, Rewards Elite, and Business Rewards Cards
  • No balance transfer fee on transfers to Rewards Elite cards
  • $500 minimum transfer required to qualify

Act now, because this deal is only good through March 31st!

Credit Card Features

Rewards Credit Card

  • Earn Rewards Points
    • 1 point for every $1 spent
    • Use your points to redeem CASH BACK
    • UChoose Rewards
  • No annual fee
  • Credit Limit $500 - $25,000

Rewards Elite Credit Card

  • Earn Rewards Points
    • 2 points for every $1 spent
    • Use your points to redeem CASH BACK
    • UChoose Rewards
  • Higher credit limit
  • Lowest interest rate
  • Low $50 annual fee
  • Credit Limit $10,000 - $50,000

Classic and Secured Credit Cards

  • Can help you build or rebuild credit
  • Low $15 annual fee that is waived if a member maintains a Direct Deposit in a Beginnings Credit Union account or has a Beginnings Credit Union Mortgage
  • Credit Limit $500 - $5,000
  • Secured Cards have a fixed rate

Want to increase your credit limit?

 

  • Choose the credit card type you currently have that you want to increase the limit on.
  • Under "Loan Purpose", choose "Credit Increase".

*APR=Annual Percentage Rate. Purchase APR is variable and subject to change after account opening. 3.90% Minimum balance transfer of $500 is required to be eligible for promotion. Promotional APR valid for 12 months from time of balance transfer after which the variable rate of 12.49-18.99% may apply based on your creditworthiness at account opening. Balance transfer must post between 1/1/26–3/31/26 to qualify for promotional rate. Rewards credit card and Business Rewards credit card balance transfer fee is 2% of the transfer amount with a $5 minimum.  The Rewards Elite card does not have a balance transfer fee. All credit cards subject to approval. Federally Insured by NCUA. View our disclosures for additional Credit Card Terms and Conditions.

 

We offer rewards credit cards in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.