Transfer Your Balance
We make transferring your balance to First Heritage easy! You can transfer your balance for FREE and you can request a balance transfer over the phone or online!
Transfer your balance and save!
When you transfer your high-rate credit card balance to a First Heritage Visa® you could save with a 12 month introductory rate of 1.99% APR* and no balance transfer fee!
Choose Your Card
With no annual fees and low rates, you can choose between our Visa Platinum Rewards card or our Visa Classic card. Learn more about our credit cards.
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*APR = Annual Percentage Rate. Balance transfer rate of 1.99% effective for 12 months. Rate will revert to a variable APR of prime +4.50% APR for Visa Platinum and 13.25% APR for Visa Classic once the promotional period has ended. Current APR for purchases and cash advances is prime +4.50% APR for Visa Platinum and 13.25% APR for Visa Classic. Rates accurate as of 10/01/2025. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The foreign transaction fee is 1% of the transaction amount. Limit: four balance transfers per 12-month period. New money only. Membership eligibility required. Subject to approval.