Pay off Credit Card debt faster

If you want to pay off credit card debt faster, a balance transfer is a great option. Consolidate multiple credit cards into one monthly payment, and pay it off faster with a balance transfer to a new or existing Honor credit card that features a low rate. To get started simply fill out the form below.

Membership Not Required To Start

Online Form Takes Minutes To Complete

No Balance
Transfer Fees

Transfer Multiple
Card Balances

Start a Balance Transfer

We want to make the process as easy as possible for you. Just answer this one simple question to get started!

Do You Have An Honor Credit Card?

(This helps us figure out the next step for you)

Balance Transfer Form

Thanks for being an Honor member, and for being an Honor credit cardholder! As an existing cardholder, you can start the balance transfer process by filling out our simple and secure form below. 

**Please Note** 
If you are looking to transfer more than one credit card balance, please complete this form for each specific transfer.

What You Will Need:

*Please Note*

Response Time: All balance transfer requests are processed during normal business hours Monday – Friday, and you can expect a response within 1-2 business days

After Submitting: We recommend you continue to monitor your old account for two weeks to avoid late payments or other fees

Need Help?

If you have questions, we’re here to help. Stop by a local member center, or give us a call at 800.442.2800.

Choose The Right Card For You

Not an Honor cardholder? No problem! Before you begin the balance transfer process, let’s get an Honor credit card opened for you. We offer two great credit cards to fit your lifestyle. Both of our credit cards feature no annual fees, no balance transfer fees, and no cash advance fees. 

image of an honor credit union select credit card

Select Credit Card

image of an honor credit union select rewards credit card

Select Rewards Credit Card

*APR= Annual Percentage Rate

How A Balance Transfer Works

The goal of a balance transfer is to save money by transferring the balance of a high-interest credit card to a low-interest credit card. We don’t want there to be any surprises when you do a balance transfer with Honor, so we’ve explained how our process works.

Request a
Balance Transfer

Request a balance transfer by filling out our online form, calling us, or by stopping by a local member center.


Our team will walk you through the process. This may include Honor membership and/or new credit card opening. 


We’ll send a payment on your behalf to the credit card vendor. That payment amount will then be added to your Honor card balance. 

Begin Making

Once the transfer is complete you can begin making payments on your Honor credit card like you would any other credit card.

Monitor Your
Old Card

We recommend you monitor activity on your old card for 1-2 months for any accrued interest or unexpected charges.

Why You Should Transfer A Balance


  • No Fees! Many banks charge a balance transfer fee between 3-5 percent of the transfer amount. Not us! We’re here to help you achieve financial success. Along with no balance transfer fees, we also don’t charge annual fees or cash advance fees on any of our credit cards.
  • Faster Payoff. Because we don’t charge a balance transfer fee or annual fee, you can pay off your balance faster. Both of our credit cards offer competitive low rates, which also helps.
  • One-on-One Help. If this is your first time, or if your situation needs extra attention, we will help you through the balance transfer process to find the best solution for you!

Balance Transfer Tips

Balance Transfer FAQs

If you have a high-interest credit card racking up debt and want to move this amount to a lower-interest card, consider a balance transfer for debt consolidation. Balance transfers are a helpful tool for anyone able to pay off the balance quickly or at a lower rate to save on interest.

Every situation is different. We recommend you reach out to us so we can evaluate your needs, and give you a personalized recommendation.

Too many balance transfers can make it appear to creditors that you can’t pay your bills and are just shuffling high-interest debts to lower interest cards without the intention of paying off these balances quickly.

Most balance transfers are generally processed between 7 to 10 days, but different factors can affect that time frame. We recommend that if you have a scheduled payment coming up on the card balance you are transferring that you make that payment to be safe.

Absolutely! That’s actually a pretty common transaction. If you need help deciding what balances to transfer from what cards we would be happy to help!

Zero Down Payment Offer

To make the process as simple as possible with our Zero Down Payment mortgage offer, we encourage you to speak with a mortgage expert so they can explain the requirements and guide you through the process!

Find An Expert Near You

Need Help? Contact us at 800.442.2800 and we will help you get started with the application process.