0% Promotional APR on Balance Transfers*
Make your move
Transfer balances before February 28, 2021, and take advantage of a low 0% promotional APR on transferred balances through February 28, 2022.*
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Switch to SkyOne and Save
Free yourself from high-interest credit card debt with a 0% balance transfer to one of our SkyOne Credit Cards.
With a 0.00% APR* that carries through 2/28/2022 you’ll have the flexibility to pay off your balance and enjoy the benefits that our card suite offers.
Platinum Elite Visa® Signature Card
Earn 30,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.1
$65 Annual Fee. Fee waived for the first year when you open card by January 31, 2021.
Select your own rewards, once a quarter, in our Choice Rewards program.2
Platinum Rewards Visa® Card
Earn 1.5X rewards on travel, restaurants, and bars. Additionally, earn 1 point for each $1 spent on qualifying purchases.3
Plus, starting January 1, 2021, select your own rewards in our Choice Rewards program2
Classic Visa® Card
A unique opportunity to earn an automatic APR reduction as low as 7.00% APR.4
Disclosures
Interest Rates and Fee Information
Rates Effective as of: 01-26-2021
| Promotional Annual Percentage Rate (APR) for Balance Transfers | 0% (Promotional APR through your billing cycle that ends in 02/28/2022) When the promotional period(s) on the date(s) listed above ends, any unpaid balance will revert to your contract APR for purchases. If you have a variable-rate Visa® credit card product, the rate will vary based on the Prime Rate plus a margin.** |
| Use By Date | For the promotional APR(s) and/or Fee to apply, transactions must post by 02/28/2021. Transactions that post after 02/28/2021 will not be eligible for the promotional APR. |
| Balance Transfer Fee | 3% of the amount of each transaction |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
This information is accurate as of January 15, 2021, and is subject to change after this date without notice.
How we will calculate your balance: Average daily balance (including new purchases/transactions).
**Variable APRs are based on the Prime Rate index and a margin. The Prime Rate Index is the highest prime rate published in the Wall Street Journal on the last business day of each month. As of January 15, 2021, the Prime Rate was 3.25%. The margin ranges from 6.75% to 14.75% and is based on your creditworthiness at the time of application. The maximum APR is 18.00%. SkyOne Federal Credit Union is an equal opportunity lender.
†APR=Annual Percentage Rate. APR quoted is the lowest possible for qualified borrowers. Balance transfers must be made to other lenders by a SkyOne Representative. Cash advance, convenience check, and purchase transactions are not eligible for promotional APR. Promotional balance transfer APR is applicable to fixed and variable rate consumer SkyOne Visa Credit Cards. Business Visa Credit Cards are not eligible for the promotion. Interest will be charged from the transaction date. Balance transfers cannot be made from a SkyOne Visa Credit Card to another SkyOne loan or credit card. Transfers must be posted to your credit card balance by February 28, 2021, to be eligible for the promotion. Promotional offer may end at any time without notice. Not valid with any other offers.
Membership is required.
130,000 Bonus Points Offer valid till January 31, 2021. To qualify and receive your bonus, you must make Purchases totaling $4,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
Qualified Elite accounts earn an additional 2 bonus points per $1 in spend on qualified purchases in Travel (airfare, hotel/motel, car rental, cruise) and Supermarkets. Qualified Elite accounts earn an additional 1 bonus point per $1 in spend on qualified purchases in Restaurants/Bars and Gas. Bonus points are in addition to daily reward points of 1 point per $1. A qualified account must be open and in good standing at the time earned bonus points are credited. Qualified Restaurant/Bar purchases include restaurants, food delivery services, and bars and excludes fast food. Qualified Supermarket purchases include grocery stores, excludes discount stores and wholesale clubs, and may exclude specialty food stores such as bakeries, meat provisioners, dairy products, and confectionery stores. Qualified gas purchases include purchases from eligible gas merchants. Spending cap of $7500 per quarter for bonus rewards. Qualified Elite accounts earn 1 point per $1 after $7500 is spent in qualified categories.
SkyOne is not responsible for merchant codes that do not allow us to capture the information needed to award bonus points. Visa determines the industry category and code for merchants, generally based on the merchant’s line of business. A purchase will not earn promotional points if the merchant’s category code is not an eligible category for the promotion. Some transactions do not qualify for points, including balance transfers, cash advances, fees including an annual fee, and purchases made using certain types of wireless technology.
2Restrictions apply. Balance transfers, check requests, convenience checks and overdraft protection do not earn Cloud9 Rewards points, and are all subject to terms and conditions of cash advances. For complete Cloud9 Rewards Program Terms and Conditions, click here.
3Restrictions apply. Balance transfers, check requests, convenience checks and overdraft protection do not earn Cloud9 Rewards points, and are all subject to terms and conditions of cash advances. For complete Cloud9 Rewards Program Terms and Conditions, click hereloyalty-rewards-terms-and-conditions.
Qualified Platinum Rewards accounts earn an additional .5 bonus point per $1 in spend on qualified purchases in Travel (airfare, hotel/motel, car rental, cruise) and Restaurant/Bars. Bonus points are in addition to daily reward points of 1 point per $1. A qualified account must be open and in good standing at the time earned bonus points are credited. Qualified Restaurant/Bars purchases include restaurants, food delivery services, and bars. Excludes fast food. Spending cap of $7,500 per quarter for bonus rewards. Qualified Elite accounts earn 1 point per $1 after $7,500 is spent in qualified categories.
SkyOne is not responsible for merchant codes that do not allow us to capture the information needed to award bonus points. Visa determines the industry category and code for merchants, generally based on the merchant’s line of business. A purchase will not earn promotional points if the merchant’s category code is not an eligible category for the promotion. Some transactions do not qualify for points, including balance transfers, cash advances, fees including annual fee, and purchases made using certain types of wireless technology.
4Your APR will be reduced by 0.25% if you make three minimum balance payments by the required due date within a consecutive period and you make a total of $300 in Point of Sale (POS) purchases within a consecutive period. A consecutive period is defined as follows: a three-month timeframe [e.g. (January, February and March) or (February, March and April)]. If a payment(s) is/are not made by the required due date during any month within a consecutive period, a “new” consecutive period is initiated. For example, if you do not make a payment by the required due date or if you do not make a total of $300 in Point of Sale (POS) purchases in January, but meet all payment and purchase requirements in February, March and April, you will still qualify for the 0.25% APR reduction. If you meet all payment and purchase requirements in January, February and March, you will qualify for the 0.25% APR reduction. You can still qualify for the additional 0.25% APR reduction if you meet the payment and purchase requirements in April, May, and June. These 0.25% APR reductions will continue to occur if you meet all payment and purchase requirements until you reach the maximum achievable 7.00% APR. During one calendar year you may earn up to four 0.25% APR reductions totaling a 1% APR reduction. The maximum achievable APR with these 0.25% APR reductions is 7.00%. The Automatic APR Reduction does not apply to any promotional rate offers. Point of Sale (POS) purchase requirements do not include ATM transactions, cash advances, or balance transfers