Enjoy the Holidays Without the Interest
Our 0% Visa Promo Is Back
The holidays should feel joyful, not like a financial juggling act. Whether you’re traveling, buying gifts, or just trying to get through winter without blowing your budget, our 0% Visa promotion is here to give you some breathing room.
From November 1 through February 28, every qualifying purchase and cash advance you make with your WyHy Visa gets 0% APR through your August 2026 billing cycle.
That means you can take care of the spending you need to do now and pay it off over time with zero interest during the promo period.
Smart ways to use our 0% promo
A 0% promotion can be a powerful tool if you use it with a plan. Here are a few smart strategies:
- Spread out holiday spending without extra interest
Instead of putting everything on a high rate card and paying for it well into next year, you can put eligible purchases on your 0% Visa and give yourself time to pay them off without interest during the promo period. - Tackle higher rate debt
If you are carrying balances on other cards with much higher rates, moving that debt to our 0% Visa can help you pay it down faster. Our Visa program includes options for balance transfers that may help you consolidate and simplify what you owe. - Cover larger seasonal expenses
Maybe you are driving long distances to see family, replacing worn out snow tires, or finally upgrading that aging laptop. The 0% period lets you manage those larger expenses in chunks instead of all at once, while keeping interest out of the equation during the promo window.
Already have a Visa with us?
Good news. If you are an existing cardholder, qualifying purchases and cash advances you make between November 1, 2025, and February 28, 2026, will also receive 0% APR through August 2026.* You do not need a new card to participate.
Just use your card during the promo period and stay on top of your payments.
New here? We can help you get started
If you do not have a Visa card with us yet, applying is simple.
You can:
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Apply online in just a few minutes
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Work with our Virtual Branch or a team member at your local branch to find the right card type for your needs
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Once approved, start using your card for eligible purchases and cash advances during the promo window
Make this season easier
The end of the year is busy enough. This promo is designed to lighten the load, help you stay on track, and give you a little more room to breathe.
If you have questions or want help deciding which card is best for you, we’re here for you.
APR = Annual Percentage Rate. Promotional 0% APR applies to qualifying purchases and cash advances made from November 1 through February 28 and is valid through the August 2026 billing cycle. After the promotional period, the APR reverts to the standard qualified rate. All loans subject to approval.