Transfer balances. Get 3% cash back.

Transfer high-rate balances to your Sound Visa credit card and get 3% cash back on the total amount transferred up to your established limit! Just complete one of the Balance Transfer forms below. It's that easy!

With low fixed rates and no annual fee, Sound Visa Blue cards are designed to give you freedom and flexibility when making purchases and payments.

As a Sound Visa Blue cardholder you will also get these benefits:

$1,000 personal identity theft coverage
Auto rental collision damage waiver
$400,000 of travel accident insurance
Online purchases are secure when you register with Verified by Visa

Ready to apply?

Transfer Your Balances and Save.

Transferring balances is easy with your choice of Balance Transfer forms. Either way you save!

Complete the online form, hit submit, and the Balance Transfer form will automatically be sent to us.
Print, complete, and return the Balance Transfer form at any branch or fax it to (253) 627-8642.

And, here is the fine print...

	Visa Blue	Visa Platinum
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers	10.95% - 17.95% depending on your credit history. This APR will vary with the market based on the Prime Rate.¹	11.95% - 18.95% depending on your credit history. This APR will vary with the market based on the Prime Rate.¹
Grace Period: How to avoid paying interest on purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	None	None
How we will calculate your balance	Average daily balance (including new purchases)	Average daily balance (including new purchases)
For credit card tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Annual Fee	None	$39 (waived with $2,500 or more in annual purchases)
Balance Transfer Fee	None	None
Cash Advance Fee	4% of advanced amount ($15 minimum)	4% of advanced amount ($15 minimum)
Foreign Transaction Fee²	3% of the transaction amount	3% of the transaction amount
Late Payment Fee	$39	$39
Over Limit Fee	None	None
Card Benefits
Extra Awards Points³	None	Earn one (1) Award point for every $1 you spend. Points can be combined and redeemed with Visa Debit card purchases.
Personal Identity Theft Coverage	$1,000	$1,000
Auto Rental Collision Damage Waiver	Yes	Yes
Travel Accident Insurance⁴	$400,000	$400,000
Verified by Visa	Online purchases are secure when you register	Online purchases are secure when you register

Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment and credit history. Must be 18 years of age to qualify. Verification of income may be required.

¹Variable Rate Information: The Annual Percentage Rate may increase or decrease if the Index increases or decreases. The Index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: For Visa Blue: 7.70%-14.70%. For Visa Platinum: 8.70%-15.70%. The interest rate can change monthly on the first day of each month following a change in the Prime Rate as of 5 days before the end of the previous month. The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law. Any increase will take the form of more payments of the same amount.

²A fee of 3% of the transaction amount will be charged in US dollars for all foreign transactions including purchases, cash advances, and credits to your account.

³Redemption of Extra Awards points is subject to the terms and conditions of Awards program.

⁴Travel Accident Insurance applies when you purchase common carrier tickets using your Sound Visa credit card. It is an accidental death and dismemberment only policy and does not pay benefits for loss from sickness.

CASH BACK PROMOTION DISCLOSURE:
Transferring Balances: Please allow 2-3 weeks to process your balance transfer. Continue to make your payment on these accounts until the payment for the transferred amount appears on your other issuer's statement. Sound Credit Union is not responsible for late payments on your other issuer's account. We are not able to close your other accounts even if you transfer the entire balance. If you want to close the account, you will need to contact the issuer directly. Balances can be transferred up to your established limit. Borrowing the full amount of your available credit line may result in an over limit fee and increased minimum payments to cover the interest due. Sound Credit Union does not charge a balance transfer fee. Balance transfer amounts must be posted to your Sound Visa credit card account by May 31, 2010 to get the promotional offer. Promotional balance transfers cannot be applied to any current Sound loan or Sound Visa account. Offer cannot be used with any other promotional rate, incentive and/or award offers. Maximum cash back award of $600 per household. By participating in this offer, you may receive a 1099 MISC Form at year-end for tax purposes. Right to Decline: Under certain circumstances (for example, if your account is past due or over limit, or if we reasonably believe you will be unable or unwilling to repay the balance, or as described in your Cardholder Agreement), we may decline to process your transaction, in which case you will be notified. Offer End Date: To take advantage of this offer, transactions must post to your account by May 31, 2010 and your account must not be in default. Transactions that post after the promotion end date or if your account is in default will be charged the applicable non-promotional terms (for example, APR and transaction fee) stated in your Cardholder Agreement or any subsequent change in terms, or will be declined. The Annual Percentage Rate (APR) on all other transactions and balances on your account will remain at the applicable rate in accordance with your Cardholder Agreement. Cardholder Agreement: For further details about terms or conditions on your account, please refer to your Cardholder Agreement. Other Items: Any special benefits of this offer apply to transactions from this offer only.

Complete Visa Agreement and Disclosure