0% APR^* balance transfer 

With KCCU’s Elite Credit Card you can

• Consolidate your debt 
• Save money with 12 months of 0% APR* on balance transfers

one card, one easy payment

With an Elite Credit Card you will also enjoy:

• No annual fee
• No balance transfer fee
• Transaction alerts when purchases are made
• 24/7 fraud monitoring
• Card controls
• Google Pay, Apple Pay, and Samsung Pay compatible
• Earn cash back on purchases**

Visit our Visa Credit Card page for complete details

Apply for an Elite Card

 Apply Now

Transfer a Balance

Transfer Balance

_{*APR=Annual Percentage Rate. Introductory 0.00% APR applies to balance transfers of $500 or more that post to your Elite Credit Card account between January 3, 2023 – March 31, 2023. Introductory rate does not apply to purchases, cash advances, or balance transfers from existing Kellogg Community Credit Union credit card accounts. Introductory rate is valid during the first 12 billing cycles following the date of the transfer. After 12 billing cycles, a variable APR (12.00% -24.00%), based on your creditworthiness, applies to unpaid promotional balances. Balance transfers submitted after March 31, 2023, will receive the cardholder’s regular variable balance transfer APR (12.00% -24.00%). Variable APRs are accurate as of 1/3/2023 and will vary with the market based on the Prime Rate. The cardholder’s standard variable APR (12.00% -24.00%), based on creditworthiness, will apply to any other purchases made. Subject to credit approval. Rates, fees, and terms subject to change and may be terminated at any time.}

_{**Cash back program is available for applicants with a credit score of 700 and higher. Earn 1.00% cash back on every one dollar spent on purchases less credits, returns, and adjustments during the statement period. Cash advances, balance transfers, fees and finance charges do not earn cash back. Cash back reward is applied as a statement credit at the end of each billing cycle and will not statisfy minimum payment due. Terms and conditions apply and are subject to change. Federally insured by the NCUA.}

_{See Standard Variable Rate-Elite CC Application and Solitication Agreement}