Couple looking at laptop, woman holding a credit card

Visa Balance Transfers

You're a smart consumer. You seek out every opportunity to trim expenses. Here's a simple move - save a bundle by transferring balances from higher interest rate credit cards to our fixed-rate Visa Platinum card.

What could you do with a few hundred extra dollars?

Buy a new electronic gadget. Pay for a home repair. Splurge on a weekend getaway. The sky's the limit. According to our calculations, a typical consumer might save $400 or more each year by transferring other card balances to our Visa Platinum card. The icing on the cake? There's no balance transfer fee at all.1 Here's how easy it is:
 
  1. Log in to Online Banking
  2. Click on Card eServices
  3. Then click on “Visa Balance Transfer”
  4. Fill out and submit the user-friendly form
Or do one of these instead
  • Fill out the form on this page
  • Request free Visa convenience checks to pay off other credit card balances
  • Call 800-537-8491
  • Visit your nearest First Financial branch
  • Use Online/Mobile Banking chat
 

Serious Savings Made Simple

Financial Institution

Sample Balance

Savings / Interest Owed

Balance Transfer Fee

First Financial Visa Platinum
11.90% APR2

$6,000

$417.60
(Potential Annual Savings)3

None1

Competitor Average Interest Rate

18.86% APR

$6,000

$1,131.60

(APR Interest Owed)

$180.00-$240.00

(3%-4% Fee)
 
Beware of "0% APR Balance Transfer" promo offers and so-called "rewards."
People typically don't pay off the balance by the time the promo ends, when the interest rate defaults to a much higher, variable rate. And while other cards may flaunt rewards, the interest rate is often variable, which can increase at any time. With our Visa Platinum, your low, fixed rate never increases, providing stability you can count on.































1Free balance transfers when completing a Visa Platinum Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans.
2APR=Annual Percentage Rate.
3This representative example of potential annual savings is based on a $6,000 balance at 10.90% APR. Your actual savings may vary based on your credit account(s) with your financial institution(s). A third-party source was used for the average interest rate as of 2/11/25. Other terms, conditions and restrictions may apply. Call for complete details.