Credit Card Balance Transfer

Special offer! Add a breath of fresh air to your budget.

Apply now (new card) Request a credit limit increase

Transfer debt from your higher-interest cards

  • No balance transfer fee
  • Offer ends 3/31/2026
  • New and existing cardholders

Make paying down credit card debt a breeze

Start fresh! Pay a low 4.26% APR* on debt transferred to your NorthCountry credit card and – unlike competitors’ offers -- your savings won’t be offset by a balance transfer fee or a hefty rate when the promotional rate expires. 

If you already have a NorthCountry credit card, log in to digital banking (mobile or desktop), navigate to your credit card account, and select the “balance transfer” option. If your transfer request exceeds your available credit line, you can apply for an increase online or by contacting us.  

If you don’t have a NorthCountry credit card, you can apply for one online, give us a call, or stop by any branch.
A low APR, no balance transfer fee, no annual fee, valuable perks, fraud protection, and it’s compatible with mobile wallets … Let’s do this! Transfer your high-interest credit card debt and breathe more easily.

Annual percentage rate (APR) of 4.26% applies to balances transferred to a NorthCountry credit card from an external source. On 3/31/2027, the promotional APR will end and the regular APR will apply. As of 1/15/2026, regular APRs ranged from 7.45% to 16.95% based on credit qualifications, and are subject to change.

To avoid being charged a late payment fee by your creditor(s) while they process your payoff(s), you may need to make a final payment. We recommend allowing them 15 business days, but it could take longer.

The amount(s) you transfer plus any existing balance on your NorthCountry credit card may not exceed your credit limit. If you would like to apply for a credit limit increase, please contact us or apply online.

Offer ends 3/31/2026.

 

Why choose between value and rewards when you can have both? Our credit card has no annual fee, balance transfer fee, or cash advance fee. Plus, you'll get your choice of rewards, including cash back. Our credit cards come with Visa's Zero Liability policy for unauthorized purchases and the latest fraud prevention technology, including the ability to turn your card on and off in digital banking.

Yes. Fill out the quick and convenient application below and one of our Loan Officers will be in touch.

Visa rewards credit card application

Earn one reward point for every dollar of your credit card purchase. Redeem your points for cash back or other rewards including travel services and gift cards to popular retailers and restaurants. A full list is available by navigating to your credit card information within digital banking.

The first step to gaining access to NorthCountry's products and services is to open a savings (or "share") account. This account has a minimum balance requirement of $5. Ready to get started? Here's our easy account application*.

You've got questions, we've got answers

View All FAQs

If an odd charge appears on your account, contact us immediately. If possible, let us know where your credit card was lost or stolen and the last authorized transaction on the card. If you can access your account through digital banking, we recommend you turn your credit card off until you find it.

Any of these reasons may be the cause:

  • Your transaction fell outside of your normal spending habits and triggered our fraud detection software.
  • Your card information was input incorrectly.
  • Your card has expired.
  • You turned off your credit card using the security features in digital banking.
  • You have exceeded your overall credit limit.
  • You have exceeded your daily spending limit.

Contact us and let us know you would like to increase your limit. We will guide you through the process to see if you qualify. You can also apply for a credit line increase here.