Swipe into Savings - Transfer your balances!



Choose the Card that Gives Back
Enjoy Rewards Points on all Purchases
Cash Back | Gift Cards | Merchandise | Travel | Charitable Donations

Lifetime Balance Transfer & Cash Advance
Same Rate for All Credit Scores
Rewards on Every Purchase
Same Day Card Pick-Up
Fraud Manager


Rates & Terms



Transfer your credit card balances for a lower rate with Saratoga Federal.

Transfer High Interest Debt
Save money every month by transfering your balances to a low, fixed rate.  

No Balance Transfer Fees
No Cash Advance Fees
Same Rate for All Credit Scores
Low, Fixed Rate Until the Balance is Paid in Full!

Balance Transfer Form


Don't have one in your wallet?

No worries.  Apply today!
Plus earn 5,000 BONUS Incite Rewards Points just for becoming a cardholder.


Rates & Terms


Bonus Rewards Points:  New credit cardholders will receive 5,000 bonus rewards points for opening their account.  Points are awarded within 60 days of account opening.  Existing cardholders are not eligible.

The credit union reserves the right to discontinue promotion at any time. Must be credit qualified.