Balance Transfer Introductory Rate
Consolidate higher-rate balances with our 8.99%1 APR Balance Transfer Offer
Move high-interest balances and simplify your finances with a special 8.99%1 APR balance transfer offer for 36 months. Whether you're looking to transfer balances or consolidate debt, Valley First can help you save on interest and pay down debt faster.
Elevate your finances and discover the benefits of a Valley First low-interest rate credit card.1
Low Fixed Introductory Rate: enjoy a special 8.99% Annual Percentage Rate1 (APR) on balance transfers and balance consolidations.
Consolidate your debt: simplify your finances by combining multiple card balances into one manageable monthly payment.
Online convenience: easily transfer your balances online and monitor your progress with our user-friendly digital tools.
Save more, worry less: say goodbye to high-interest payments and hello to saving more money each month.
36 months to save: Lock in your introductory rate for 36 months.
Ready to experience financial freedom?
Let us help you take the move to Valley First where your journey to a debt-free future begins here.
Signature Credit Card
Earn 1.5% cash back for every net $1 spent2
Rates as low as 18.00% APR | 0% annual fee
Contactless chip card
Points Rewards Credit Card
Earn 1 point for every net dollar spent – can be redeemed for merchandise or gift cards3
Variable Rates as low as 12.49% APR | 0% annual fee
Contactless chip card
Cash Back Credit Card
Earn 1% cash back for every net $1 spent4
Variable Rates as low as 12.49% APR | 0% annual fee
Contactless chip card
1 Introductory 8.99% APR applies to qualifying balance transfers and balance consolidations for 36 months from the date the transfer or consolidation is posted to your account. Offer available to eligible new Valley First credit card accounts only. After the promotional period ends, the standard variable APR of 12.49% - 18.00% will apply based on creditworthiness and other factors determined at account opening. APR will vary with the market based on the Prime Rate. A Balance Transfer fee of either $5 or 3% of the amount of each transfer applies, whichever is greater.
2Members earn 1.5% cash back on net purchases (purchases minus any credits or returns) only. Purchases do not include balance transfers, cash advances, ATM transactions, convenience checks, or disputed or unauthorized purchases/fraudulent transactions, Card Account fees and finance charges.
3Earn 1 point for every $1 in net purchases (purchases less credits and returns). Finance charges, fees, cash advances, ATM withdrawals, foreign currency conversion charges, and convenience checks do not earn points. Your account must be open and in good standing to participate in and redeem rewards. Points have no cash value, cannot be exchanged for cash or credit, and generally cannot be combined with other offers or transferred to another account or rewards program. Points expire 48 months after they are earned.
4 Members will earn 1% cash back on net purchases (purchases minus any credits or returns) only. Purchases do not include balance transfers, cash advances, ATM transactions, convenience checks, or disputed or unauthorized purchases/fraudulent transactions, Card Account fees and finance charges.
5Visa's Zero Liability Policy is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Visa's Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not process by by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.