Disclosures
* APR = Annual Percentage Rate. The information, APR, and introductory offer is accurate as of 5/9/2025. APR is based on creditworthiness, product type, and will vary with the market based on the U.S. Prime Rate.
Approval is subject to verification at the time of application that you continue to meet the credit score, income and membership eligibility criteria used to pre-screen you for this offer.
Introductory offer: 0% Intro APR applies to purchases for twelve (12) billing cycles from date of account opening. A 0% Intro APR also applies to balance transfers completed within the first sixty (60) days of account opening, provided the transferred balances are from non-Kitsap Credit Union credit cards. The 0% Intro APR on qualifying balance transfers is effective for a period of twelve (12) billing cycles from the date of account opening. After the introductory period ends, the standard variable APR for purchases and balance transfers will apply. The variable APR is based on the applicant's creditworthiness at the time of approval and the credit card product selected at account opening. Under the introductory offer, a balance transfer fee of either $10 or 3% of the amount of each transfer, whichever is greater, will be added to each balance transfer. The fee is calculated based on each individual transfer amount. To qualify for the introductory APR, balance transfers must be completed within sixty (60) days of account opening and must be initiated either at the time of the application, through the pre-approval application portal, or with the assistance of a Kitsap Credit Union employee. Self-service balance transfers completed in digital banking during the introductory period do not qualify for the introductory APR. The total amount of your balance transfer request(s), including fees, must not exceed your available credit limit. Balance transfers completed after the sixty (60) day introductory period will not be charged a balance transfer fee; however, the current variable Balance Transfer APR will apply and interest will begin accruing immediately from the date of the transaction. This introductory offer is available only for new consumer credit card accounts.
Foreign transaction fees: 2% of each foreign currency transaction in U.S. dollars; 1.80% of each U.S. dollar transaction made in a foreign country or by merchant located in foreign country, even if initiated with the U.S.