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Bring us your high interest credit card balances and enjoy 2.9% APR* for the first 12 months.

Experience the joy of smarter spending - simply transfer your high interest credit card balances to us! Take advantage of a low 2.9% APR* on your existing balance with no balance transfer fee. Plus, you’ll reap all the benefits of a Garden Savings Visa Credit Card, such as no annual fee, free reward points for every dollar spent, and the freedom to shop worldwide wherever Visa logo accepted. Making a change never felt so good!

  • 2.9% APR for the first 12 months*
  • No balance transfer fees
  • Enjoy the benefits of a VISA Credit Card from Garden Savings
    • No annual fee
    • Earn uChoose Rewards points for every dollar spent
    • Accepted anywhere Visa is accepted
    • No cash advance fee
    • Easy account access 

Request a balance transfer or Apply for a Visa Credit Card 

Offer available for new and existing Visa Credit Card holders. Are you an existing card holder looking for a credit line increase? Contact our loan department today at 973-576-2000 option 3 to apply.

*2.9% APR for the first 12 months on existing balance. Rate will refer to standard fixed APR after initial 12 month period. Standard rates apply for new purchases. Offer valid through 6/30/2019.