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0% Introductory Annual Percentage Rate (APR) for 12 Months* on Balance Transfers and Purchases.

After that, variable APRs currently range from 14.74%–26.99%, depending on card type and creditworthiness.

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Make Real Progress on Your Credit Card Balance

Reduce Interest Costs

Keep more of your payment going toward principal.

Consolidate Higher-Rate Cards

Move balances from high-interest cards to one competitive rate.

Pay Off Debt Faster

Use the 12-month intro period to gain momentum.

Offer Details

0% Introductory Annual Percentage Rate (APR) applies to purchases and balance transfers for the first 12 billing cycles after account opening. After that, a variable APR currently between 14.74% and 26.99% will apply depending on card type and creditworthiness.

Subject to credit approval. Additional terms apply.

FAQs

The 0% introductory Annual Percentage Rate (APR) applies for the first 12 billing cycles after account opening on eligible personal credit cards. During this introductory period, you can take advantage of 0% APR on both purchases and balance transfers. After the 12-month introductory period ends, a variable APR based on the Prime Rate and your creditworthiness will apply.

Yes. The 0% introductory APR applies to both purchases and balance transfers made during the first 12 billing cycles after your account is opened. This allows you to consolidate higher-rate credit card balances or make new purchases while paying no interest during the introductory period.

After the introductory period ends, a variable APR currently ranging from 14.74% to 26.99%, depending on card type and creditworthiness, will apply.

After the 12 billing cycle introductory period, your APR will convert to a variable rate based on the U.S. Prime Rate plus a margin, as outlined in your credit card agreement.

Depending on the card type and your credit profile, standard purchase and balance transfer APRs currently range between 14.74% and 26.99%. APRs may increase or decrease with changes to the Prime Rate.

If you make a late payment or a payment that is returned during the introductory period, the promotional APR may end early and the standard variable APR may apply.

Yes. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater.

Even with a balance transfer fee, many customers find that moving higher-interest credit card debt to a 0% introductory APR credit card can help reduce overall interest costs and pay down balances faster.

You can apply for a Reliabank personal credit card:

A complete credit card application must be submitted in branch, online, or by mail to qualify for the promotional offer. All applications are subject to credit approval.

Transfer balances and make purchases with 0% Introductory Annual Percentage Rate (APR) for 12 months* and start paying down your balance faster!

*After that, variable APRs currently range from 14.74%–26.99%, depending on card type and creditworthiness.

Apply Now

Questions?

We’re here to help. Find branch hours and locations, or fill out our quick contact form—we’ll get back to you as soon as possible!

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This promotion is for personal credit cards. A complete credit card application must be submitted in branch, online, or by mail to count for promotion.

*Consumer Cards: 0% Introductory Annual Percentage Rate (APR) applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in The Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 6.75% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate.

Rewards Platinum APRs are currently between 16.74% and 26.74%, Platinum Edition APRs are currently between 14.74% and 24.74%, Cash Rewards Platinum APRs are currently between 17.74% and 26.99%, and Visa Signature/World Mastercard APRs are currently between 16.49% and 22.49%. Rewards Platinum Cash Advance APR is currently 26.74%–28.24%, Platinum Edition Cash Advance APR is currently 24.74%–28.24%, Cash Rewards Platinum Cash Advance APRs are currently 27.74%–28.24%, and Visa Signature/World Mastercard Cash Advance APR is 25.49%.

All APRs are based on creditworthiness. Rates are accurate as of January 30, 2026 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR.

Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars.

Subject to credit approval. This card is issued by TCM Bank, N.A. Secured Credit Cards are not eligible for 0% Intro APR.