Transfer your high-interest credit card balance to a ValleyStar 0% APR* credit card for 15 months! We get it… the Federal Reserve rate changes are causing your credit card APR to increase. Tame that balance and transfer money from a credit card that isn’t with ValleyStar to zero out that credit card debt. You can make a balance transfer anytime between now and February 28, 2023, to enjoy that 0% APR*.

Paying high-interest and getting nowhere?

Zero out that balance with ValleyStar! Take advantage of our limited time offer below!

• 0% APR* for 15 months

• 5% transfer fee

• Includes Digital Wallet

• Easily Apply Online

0% Balance Transfer

For current Visa® cardholders, view step-by-step instructions here.
For current Mastercard® cardholders, view step-by-step instructions here.


View and Compare Our Credit Cards

ValleyStar Horizon Rewards Visa® Card

Introductory Offer: 5,000 Bonus Points on your first purchase transaction!**

Earn rewards points for every dollar you spend! Points are redeemable for merchandise, travel, gift cards, cash and more.


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  • Enjoy a robust uChoose Rewards® program – earn 1 point for every $1 spent on qualifying transactions
  • Enjoy a low rate
  • Credit limit up to $30,000
  • No limits or points expiration
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • Added security of EMV® chip technology and Visa®
  • 2% foreign transaction fee
Apply Now Track My Rewards
ValleyStar Visa Horizon Card

ValleyStar Horizon Visa® Card

Our low rate on the Horizon credit card allows for more purchase flexibility and helps keep you in control of your finances.

  • Enjoy a low rate
  • Credit limit up to $30,000
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • Added security of EMV® chip technology and Visa®
  • 2% foreign transaction fee
Apply Now

uChoose Rewards FAQs

uChoose Rewards is a rewards program where you earn points for shopping or using your ValleyStar Horizon Rewards Visa® Card, then redeem your points for anything of your choice from a huge online rewards catalog at www.uchooserewards.com.

How do I earn points?

Earn points on qualifying transactions outlined in the welcome materials you received after signing up for this program. Earn even more points when you shop at the participating retailers listed. Choose to shop in-store at national or local retailers or online through www.uchooserewards.com. When shopping in-store, select credit and sign for your purchases.

Where can I earn points?

You earn points everywhere your card is accepted

What can I redeem my points for?

You can redeem your points for literally thousands of options. It all depends on your personal preferences. You can get event tickets, electronics and hi-tech gadgets, spa treatments, apparel, airline tickets, and activity vouchers – the list goes on and on. Browse the redemption section to see all the exciting options available to you.

When can I redeem my points?

It can take up to 60 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points. After that, you can save for any number of amazing items. Simply look for your “Total Points Available for Redemption” on the Point Details page to see how many points you have available for redemption.

How much does it cost to participate?

There is no cost. Membership in uChoose Rewards® is free for ValleyStar cardholders, so start shopping and earning today.

Can I share points with family members?

Yes, all cards within an account automatically earn points together. However, if you have multiple accounts with ValleyStar, you cannot link them together to earn rewards.

What if I have another question?

If you have other questions not answered here, you can contact us at info@valleystar.org or 800.475.6328.


Application and Solicitation Disclosure for VISA

Application and Solicitation Disclosure for Mastercard


Digital Wallet

Digital wallet, or better known as Apple Pay®, Samsung Pay® and Google PayTM, is now available for all debit and credit cardholders.

Digital wallet payments are actually more secure than using your debit or credit card.

WHAT IS DIGITAL WALLET AND HOW DOES IT WORK?

Think of it this way: your credit card now has a second home – your mobile phone (or any other digital device)! When you’re out shopping in stores and you get to checkout, simply tap your phone where you see the digital wallet logo. Or select the digital wallet logo when shopping online and in apps.

HOW DO I SIGN UP?

  • Visit the App store, based on the type of phone, and install the app. Note that newer phones may already have the App installed on the phone.
  • Enter or scan the card information.
  • If you experience issues with the App, call the number provided within the App. If you continue to experience issues, contact us. We are here to help!

Terms and conditions subject to change without notice. Subject to credit approval. Rates may vary based on individual credit worthiness.

*Credit Card Agreement & Disclosures

Credit card approval depends on the applicant’s creditworthiness and other qualifications. Rates, terms and conditions are subject to change without notice. APR (Annual Percentage Rate) is based on the applicant’s creditworthiness and is subject to change. APR will vary with the market based on Prime Rate. Certain restrictions apply. See official credit card agreement and disclosure for complete details.

*Rates, terms and conditions are subject to change without notice. Interest will accrue immediately upon completion of the balance transfer. Promotional rate is available from July 1 through February 28, 2023, at 11:59 p.m. ET, to receive promotional APR (Annual Percentage Rate) for 15 billing cycles. After 15 billing cycles, the variable rate may range from 8% APR to 20% APR.

A balance transfer fee of 2% may apply after February 28, 2023, at 11:59 p.m. ET. Rate based on APR and on the applicant’s creditworthiness and is subject to change and will vary with the market based on Prime Rate. Certain restrictions apply. See official credit card agreement and disclosure for complete details and other fees.

**Offer valid for qualifying Horizon Visa® applicants. To receive the 5,000 Bonus Points Introductory Offer, cardholders must register their card at uchooserewards.com and make a purchase transaction (not a cash advance). 5,000 Rewards Points will then be added to their uChoose Rewards account within 30 days. If one account has two cards issued, the bonus points offer will apply to the account, not to each card on that account. Offer valid for a limited time only.