Earn a $50 bonus when you open an iTHINK Financial Visa Platinum Credit Card* and make a qualifying balance transfer within 30 days.

Receive balance transfer rates as low as 7.99% APR* and variable rates as low as 14.15% APR* on purchases and cash advances. Learn more about our credit card options today.

* APR = Annual Percentage Rate. Credit card “as low as” rates are variable and subject to change based on market conditions. Actual rates are based on creditworthiness and other qualifications, so your rate may differ. Foreign transactions, transactions completed by you or that a merchant completes on your card outside of the United States, are subject to a 2% fee per transaction. Bonus payment offer valid 05/01/2024–06/30/2024. $50 bonus is for new credit cards only. Bonus payment will be deposited into membership savings by 08/06/2024. Transfer balances of $2,500 or more in the first 30 days to your new credit card and you may be eligible to earn a $50 bonus. Balance transfers must be processed by credit union personnel during the first 90 days of account opening to receive 7.99% APR for life of the transaction. Actual balance transfer rates range from 7.99%–13.99% APR and depend on credit history, so your rate may differ. Variable rates range from 14.15%–18.00% APR. Online banking and overdraft transfers are processed as cash advance transactions and do not qualify as a balance transfer transaction. Balance transfer proceeds may not be used to pay down or towards another iTHINK Financial loan or debt. Other terms and conditions may apply; contact a loan advisor for details.

Visa Balance Transfer is Now Just a Few Clicks Away


Exciting news for all our existing Visa card users. You can now initiate a balance transfer via ITHINK Financial Online Banking or our Mobile Banking app with a few clicks of the mouse.

  • Click on "Transfer"
  • Set your Visa Card as the "From Account."
  • Choose the destination by selecting the "To Account."
  • Enter the amount you want to transfer. (Must be $500 or more)
  • Select a transfer option that suits your preference.
  • Click "Continue" to proceed with the balance transfer.


Balance Transfer Features:

credit cards

  • No Cash Advance or Balance Transfer fees
  • Unlimited Cash Advances up to your available credit limit (unlike many credit cards that limit cash advance balances to a percentage of your credit limit)
  • Convenience Checks available
  • Unlike many other credit card companies we will not default to a higher rate if your payment is a few days late

It's easy to apply!

Just complete our simple online application to open your Visa Platinum Credit Card. Or contact us to apply at 800.873.5100, ext. 7701 or email us at loans@ithinkfi.org

Go ahead! Compare your favorite card to ours. If you’re paying too much, we’re confident you’ll like what you see and make the iTHINK Financial Visa® Platinum your next go-to card.

You’ll enjoy benefits such as:

  • No Application Fee
  • No Annual Fee
  • No Cash Advance Fees
  • No Balance Transfer Fees*

Start spending smarter on your everyday purchases today!


*Balance transfers must be processed by credit union personnel during the first 90 days of account opening. Members with an active iTHINK Financial Visa Platinum credit card, balance transfer rate calculation is based on your credit rating at the time of opening the credit card. Loan rate for new cards will be based upon the borrower’(s) creditworthiness. Credit subject to approval and income verification. Certain conditions may apply. Online Banking transfers and overdraft transfers are processed as Cash Advance transactions. Therefore, they do not qualify as  Balance Transfer transactions. Balance Transfer proceeds may not be used to pay down or towards another iTHINK Financial loan or debt.