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New year, new balance transfer!

Slim down debt, not your wallet — enjoy no transfer fees, no annual fees, and a lower rate.

Start Transfer
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Our Visa Gold card makes it easy to slim down your debt while staying in control. Even if your resolutions don’t stick, your savings will!

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Low minimum credit lines

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Zero transfer or annual fees

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Real-time card controls and alerts

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Quick online application

Pay less and save more

If your current credit card rates are over 9.90%1 APR, you’re likely paying too much. Consolidate high-interest debt with no transfer fees or gimmicks. Paying down debt faster can save you money and help boost your credit score.

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Shape up your finances

Our Visa Gold credit card offers a low rate that keeps you in control. With real-time card controls, you can confidently manage your finances while saving more. Consolidate your balances and enjoy the freedom to do more!

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Apply Today

Visa Gold FAQs

What is the fee for a balance transfer?

Zero. Zip. Nada. We off no-fee balance transfers for all of our cards.

Do you offer a promotional 0% interest on your cards?

No, but we offer something even better – low interest rates all the time, no balance transfer or annual fees, and no confusing promotional periods. With Baton Rouge Telco you get the best rates and benefits all of the time.

Are there any perks having a Telco Visa credit card?

Yes, you can save money on your auto rental coverage by saying no at the counter. Rent with your covered Baton Rouge Telco Visa Gold or Cash Back card and get built in Auto Rental Coverage. To learn more about this benefit or to file a claim, go to www.eclaimsline.com, call 800-348-8472 or call collect 804-673-1164 (outside the US). Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Baton Rouge Telco Visa Gold or Cash Back card to secure transactions. Please refer to your Guide to Benefits for further details.

Plus, we offer Roadside Dispatch. It’s a pay-per-use roadside assistance program that provides you with security and convenience wherever your travels take you. Dependable roadside assistance, 24/7. No membership or pre-enrollment is required. Click here for more info.

When will I receive my new card?

We can instantly issue a card for you. That’s great, right? So you can walk out with your new card the same day if you visit any of Baton Rouge Telco branches.

What information will I need to apply for a credit card?

We’ll need your name, address, Social Security number, income, and monthly household expenses to apply for a Visa Credit Card.

Not a member? Membership with BR Telco is easy! 

Do you live, work, or attend school in one of the following parishes?

  • Ascension
  • East Baton Rouge
  • East Feliciana
  • Iberville
  • Livingston
  • Pointe Coupee
  • Saint Helena
  • Tangipahoa
  • West Baton Rouge
  • West Feliciana

Are you a parent, child, sibling, grandparent, grandchild, stepparent, or stepchild of a BR Telco member?

If you answered yes to either of these questions, you are eligible to join the credit union movement.

 

JOIN TODAY

Say goodbye to holiday debt and hello to savings.

Debt-free looks good on you in 2025!

Transfer Today

Disclosures

1  – Quoted APR is Telco’s current rate. All rates, terms, and conditions are subject to change and are based on creditworthiness. Low minimum monthly payment of only 2% of balance or $10 (whichever is greater). Cash advance fee of $10.00 or 2% of the amount of each cash advance (whichever is greater). Overdraft Protection Fee: $5.00 per transfer — if you opted to use the LOC as a transfer source. Account Transfer Fee: $10.00 or 2%, whichever is greater, per transaction. This includes any transfer of funds from the LOC to an account, either in person or electronically.