Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Visa® Balance Transfer

Enjoy lower monthly payments for holiday purchases and other expenses.

Apply Now



Why pay high credit card rates for holiday bills? Simply transfer your balances from other credit cards to an ALEC Visa card to receive:

  • 1.95% APR* on balance transfer made from January 1 through February 28, 2018.
  • Special low rate for 12 months after the balance is transferred.
  • No balance transfer fees.

This offer is available on our ALEC Select™ Visa®, ALEC Select Rewards™ Visa® and ALEC Visa® Signature Rewards cards. 

Already an ALEC Visa cardholder? It's easy to transfer balances from non-ALEC credit cards.

Not a cardholder yet? Apply for the ALEC Visa card tailored to your preferences for a low rate, cash back or travel rewards.

To transfer your balance to an ALEC Visa card, visit any ALEC Service Center or call 800.762.9988. To apply for an ALEC Visa card, you can also go online to or use the ALEC Mobile App. We'll help make 2018 an even better year.

*APR = Annual Percentage Rate. The promotional rate is valid on balance transfers made 1/1/2018 through 2/28/2018. Remaining promotional balances on the first statement after March 2019 will revert to the following: ALEC Rewards Visa will automatically revert to the respective standard fixed rate, based on the cardholder's creditworthiness at account opening. ALEC Select, ALEC Select Rewards and Visa Signature will automatically revert to the standard variable card rate, based on the card selected and the cardholder's creditworthiness at account opening. The variable card rates are determined by adding a margin to the Prime Rate. Prime Rate is "prime" as listed in the "Money Rates" section of The Wall Street Journal from the last business day of the previous quarter. Rates are subject to change at any time. Promotional rate is not valid on accounts with a current introductory offer. Balances on current ALEC Visa cards are not eligible to be transferred to a new ALEC Visa account and receive the promotional rate. All loans subject to approval