{"id":6487,"date":"2025-09-08T09:34:42","date_gmt":"2025-09-08T14:34:42","guid":{"rendered":"https:\/\/stpaulfcu.org\/?post_type=education&p=6487"},"modified":"2025-09-12T16:36:34","modified_gmt":"2025-09-12T21:36:34","slug":"credit-balance-transfer","status":"publish","type":"education","link":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/","title":{"rendered":"Say No to High APR Credit Cards – Transfer Your Balance Today!"},"content":{"rendered":"\n

It\u2019s time you put your foot down. Say no to high annual percentage rate credit cards and transfer your balance.<\/p>\n\n\n\n

You know credit cards can be an excellent financial tool when used correctly. They can help build your credit score with on-time payments. And if you have the right card, you can really rack up some bonus points!<\/p>\n\n\n\n

For many cards, they reel you in with an enticing offer, flashy marketing or a celebrity endorsement. Then they quietly add in a few details, gently tucked away in the fine print, like a sky-high interest rate or annual fees that the average person tends to forget about.<\/p>\n\n\n\n

Imagine being stuck with a 17%, 22% or even 27% annual percentage rate on a credit card. Then there’s the annual fees. You deserve better than that!<\/p>\n\n\n\n

If you\u2019re carrying a balance on one of these APR credit cards, it\u2019s time to request a credit card balance transfer<\/a> to a St. Paul Federal Platinum Rewards Visa card.<\/p>\n\n\n\n

Qualified borrowers can get rates as low as 10.90% APR*<\/strong> for purchases, balance transfer and cash advances! In addition to a low APR, there\u2019s no balance transfer fee* and no annual fee. You’ll also earn some great rewards along the way on everyday purchases and bonus point promotions!<\/p>\n\n\n\n

Even if you don\u2019t normally carry a credit card balance, it makes sense to bring home the benefits of a St. Paul Federal Platinum Rewards Visa. Apply today<\/a> and get the rewards card with industry-leading terms!<\/p>\n\n\n\n

*APR = Annual Percentage Rate. Terms and conditions apply, see stpaulfcu.org for complete details<\/a><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s time you put your foot down. Say no to high annual percentage rate credit cards and transfer your balance. You know credit cards can be an excellent financial tool when used correctly. They can help build your credit score with on-time payments. And if you have the right card, you can really rack up […]<\/p>\n","protected":false},"featured_media":6575,"template":"","education-category":[194],"class_list":["post-6487","education","type-education","status-publish","has-post-thumbnail","hentry","education-category-tips-resources"],"yoast_head":"\nSay No to High APR Credit Cards - Transfer Your Balance Today! - St. Paul Federal Credit Union<\/title>\n<meta name=\"description\" content=\"It\u2019s time you put your foot down. You deserve better than high-APR credit cards. It's time to transfer your balance today!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Say No to High APR Credit Cards - Transfer Your Balance Today!\" \/>\n<meta property=\"og:description\" content=\"It\u2019s time you put your foot down. You deserve better than high-APR credit cards. It's time to transfer your balance today!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/\" \/>\n<meta property=\"og:site_name\" content=\"St. Paul Federal Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/stpaulfcu.org\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T21:36:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2025\/09\/St.-Paul-Federal-Platinum-Rewards-Visa-Card-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@StPaulFCU\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/credit-balance-transfer\\\/\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/credit-balance-transfer\\\/\",\"name\":\"Say No to High APR Credit Cards - Transfer Your Balance Today! - St. Paul Federal Credit Union\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/credit-balance-transfer\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/credit-balance-transfer\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/St.-Paul-Federal-Platinum-Rewards-Visa-Card-3.jpg\",\"datePublished\":\"2025-09-08T14:34:42+00:00\",\"dateModified\":\"2025-09-12T21:36:34+00:00\",\"description\":\"It\u2019s time you put your foot down. You deserve better than high-APR credit cards. It's time to transfer your balance today!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/credit-balance-transfer\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/credit-balance-transfer\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/credit-balance-transfer\\\/#primaryimage\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/St.-Paul-Federal-Platinum-Rewards-Visa-Card-3.jpg\",\"contentUrl\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/St.-Paul-Federal-Platinum-Rewards-Visa-Card-3.jpg\",\"width\":1200,\"height\":600,\"caption\":\"An extended hand holding a St. Paul Federal Credit Union Visa card.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/credit-balance-transfer\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/stpaulfcu.org\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Education\",\"item\":\"https:\\\/\\\/stpaulfcu.org\\\/education\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Say No to High APR Credit Cards – Transfer Your Balance Today!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#website\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/\",\"name\":\"St. Paul Federal Credit Union\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/stpaulfcu.org\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#organization\",\"name\":\"St. Paul Federal Credit Union\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/logo.png\",\"contentUrl\":\"https:\\\/\\\/stpaulfcu.org\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/logo.png\",\"width\":264,\"height\":46,\"caption\":\"St. Paul Federal Credit Union\"},\"image\":{\"@id\":\"https:\\\/\\\/stpaulfcu.org\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/stpaulfcu.org\\\/\",\"https:\\\/\\\/x.com\\\/StPaulFCU\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Say No to High APR Credit Cards - Transfer Your Balance Today! - St. Paul Federal Credit Union","description":"It\u2019s time you put your foot down. You deserve better than high-APR credit cards. It's time to transfer your balance today!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/","og_locale":"en_US","og_type":"article","og_title":"Say No to High APR Credit Cards - Transfer Your Balance Today!","og_description":"It\u2019s time you put your foot down. You deserve better than high-APR credit cards. It's time to transfer your balance today!","og_url":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/","og_site_name":"St. Paul Federal Credit Union","article_publisher":"https:\/\/www.facebook.com\/stpaulfcu.org\/","article_modified_time":"2025-09-12T21:36:34+00:00","og_image":[{"width":1200,"height":600,"url":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2025\/09\/St.-Paul-Federal-Platinum-Rewards-Visa-Card-3.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@StPaulFCU","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/","url":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/","name":"Say No to High APR Credit Cards - Transfer Your Balance Today! - St. Paul Federal Credit Union","isPartOf":{"@id":"https:\/\/stpaulfcu.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/#primaryimage"},"image":{"@id":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/#primaryimage"},"thumbnailUrl":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2025\/09\/St.-Paul-Federal-Platinum-Rewards-Visa-Card-3.jpg","datePublished":"2025-09-08T14:34:42+00:00","dateModified":"2025-09-12T21:36:34+00:00","description":"It\u2019s time you put your foot down. You deserve better than high-APR credit cards. It's time to transfer your balance today!","breadcrumb":{"@id":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/#primaryimage","url":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2025\/09\/St.-Paul-Federal-Platinum-Rewards-Visa-Card-3.jpg","contentUrl":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2025\/09\/St.-Paul-Federal-Platinum-Rewards-Visa-Card-3.jpg","width":1200,"height":600,"caption":"An extended hand holding a St. Paul Federal Credit Union Visa card."},{"@type":"BreadcrumbList","@id":"https:\/\/stpaulfcu.org\/education\/credit-balance-transfer\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/stpaulfcu.org\/"},{"@type":"ListItem","position":2,"name":"Education","item":"https:\/\/stpaulfcu.org\/education\/"},{"@type":"ListItem","position":3,"name":"Say No to High APR Credit Cards – Transfer Your Balance Today!"}]},{"@type":"WebSite","@id":"https:\/\/stpaulfcu.org\/#website","url":"https:\/\/stpaulfcu.org\/","name":"St. Paul Federal Credit Union","description":"","publisher":{"@id":"https:\/\/stpaulfcu.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/stpaulfcu.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/stpaulfcu.org\/#organization","name":"St. Paul Federal Credit Union","url":"https:\/\/stpaulfcu.org\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/stpaulfcu.org\/#\/schema\/logo\/image\/","url":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2023\/07\/logo.png","contentUrl":"https:\/\/stpaulfcu.org\/wp-content\/uploads\/2023\/07\/logo.png","width":264,"height":46,"caption":"St. Paul Federal Credit Union"},"image":{"@id":"https:\/\/stpaulfcu.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/stpaulfcu.org\/","https:\/\/x.com\/StPaulFCU"]}]}},"_links":{"self":[{"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/education\/6487","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/education"}],"about":[{"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/types\/education"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/media\/6575"}],"wp:attachment":[{"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/media?parent=6487"}],"wp:term":[{"taxonomy":"education-category","embeddable":true,"href":"https:\/\/stpaulfcu.org\/api\/wp\/v2\/education-category?post=6487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}