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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 12/31/2018.