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1% Cash Back Balance Transfer Special

Earn 1% cash back on balances of $500 or higher moved to an Ideal CU Blue Rewards or Gold VISA® Credit Card

Afford some extra FUN with 1% cash back on balances of $500 or higher moved to an Ideal CU Credit Card August 1, 2020 through Octover 31, 2020

Already have an Ideal CU Credit Card? Request a balance transfer here.

Don't have an Ideal CU Credit Card? Start earning cash back and saving on higher rate balances elsewhere in three easy steps:

Step One: Apply online

If you don't already have an Ideal CU VISA Credit Card, fill out our convenient online application to get started.

Not sure which card is best for you? Compare your options.

Apply Online

Step Two: Accept your card

Once your application is approved, a representative will contact you to complete the process and assist you with transferring balances you owe elsewhere to your new card. Any balances over $500 will earn you 1% cash back!

Step Three: Enjoy your well-deserved cash back!

After Ideal CU processes your balance transfer(s), you'll receive 1% cash back directly into your Ideal CU Share Savings Account.

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  Blue Rewards VISA® Gold VISA®

Rewards

Earn points for every dollar. Redeem those points for top-brand merchandise and travel opportunities.

Earn a .5% rebate for every dollar in new net purchases of $500 or higher.

Rate A low variable rate1 A low fixed rate2
Cash Advance Low cash advance fees Low cash advance fees
Balance Transfers Waived during promotional period August 1, 2020 through October 31, 2020. Waived during promotional period August 1, 2020 through October 31, 2020.
Text & Email Alerts Yes Yes

Ideal VISA® Credit Cards

Terms & Conditions

​*APR is Annual Percentage Rate. This offer is nontransferable. 1% cashback offer is valid only for balance transfers of $500 or more from other credit card companies, financial institutions, or department store credit cards. Balance transfers may not be made to make payments toward amounts you owe Ideal Credit Union. 1% cashback offer is only valid for balance transfers completed by October 31, 2020. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher rates prior to balances with lower rates. Balance transfers are treated as and considered cash advances on your credit card and will begin to accrue finance charges from the date it is posted to your account. There is no grace period on cash advances and balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. By requesting a balance transfer, you authorize Ideal CU to process a balance transfer charged to your Ideal Visa Credit Card (no balance transfer fee through October 31, 2020.) Other transaction fees still apply during the promotional period, including Cash Advance: 2% of each advance (Min. $10.00) and Foreign Transaction: 1% of each transaction in U.S. Dollars. After the promotional period, balance transfer fees are 2% of the transfer total or $10.00 minimum, $75.00 maximum.). After the advance, your 1% cashback incentive will be deposited into your Ideal CU Share Savings Account. You also acknowledge that Ideal CU will send you a check payable to the creditor you provided in your request and that you are responsible for sending the check to the appropriate creditor. Ideal CU is not responsible for any remaining balance on that account or for any finance or other charges you incur due to delays in transferring a balance. Balance transfers made payable to you, cash or to make payments toward amounts you owe Ideal Credit Union are not eligible for this promotion. You should continue to make all required payments until you confirm that the balance transfer was made. To avoid paying interest on new purchases, you must pay your entire balance (including any balance accrued during the promotional period) each month by the due date. We will not close your other accounts even if you transfer the entire balance. If you wish to close another account, you should contact the issuer directly. To avoid paying interest on new purchases, you must pay your entire balance (including any balance accrued during the promotional period) each month by the due date. If you have not activated your credit card, please call 1-800-527-7728 to do so prior to requesting a balance transfer.

1. Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 9.15% - 17.15% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are waived during promotional period (August 1, 2020 - October 31, 2020).Then starting November 1, 2020, 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 2% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

2. Ideal CU Gold fixed APR (Annual Percentage Rate) ranges from 9.90% - 15.90% dependent on creditworthiness. Transaction fees for balance transfer and convenience checks are waived during promotional period (August 1, 2020 - October 31, 2020). Then starting November 1, 2020, 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). No annual fee. Foreign Transaction fees are 2% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.