*0% Fixed Annual Percentage Rate (APR) for the first six statement cycles (180 days) from the date of the first balance transfer completed during the promotional period of 01/01/2026 through 03/31/2026. After the initial six statement cycles, any remaining promotional balance transfer amount will convert to the pre-determined rate based on creditworthiness at account opening. Any additional balance transfers made during the promotional period will be added to the promotional balance but will share the same expiration date—0% interest will end 180 days after the date of the first promotional balance transfer. The 0% balance transfer offer may not be used to pay any Goldenwest Credit Union, USU Credit Union, or Healthcare Credit Union accounts. The offer is available on all consumer Visa products only; business Visa products are excluded. To qualify for and maintain the promotional rate, the Visa account must remain in good standing and may not be past due at any time during the promotional period. Additional restrictions may apply.