Gate City Bank Maximum Rewards® Card

Gate City Bank Maximum Rewards® Card Review

This is a rewards card issued by Gate City Bank. If you're wondering whether Gate City Bank Maximum Rewards® Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR that ranges from 18.49% up to 24.49%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Gate City Bank Maximum Rewards® Card

Gate City Bank Maximum Rewards® Card FAQ

Does Gate City Bank Maximum Rewards® Card have a cash back or rewards program?

Gate City Bank Maximum Rewards® Card is a rewards card.

What are the Gate City Bank Maximum Rewards® Card benefits?

It provides the following benefits:

• Zero fraud liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for Gate City Bank Maximum Rewards® Card?

Gate City Bank Maximum Rewards® Card has a fixed purchase APR that ranges from 18.49% up to 24.49%. The card has a fixed balance transfer APR that ranges from 18.49% up to 24.49%. It also has a fixed cash advance APR of 27.49% .

What are the fees for Gate City Bank Maximum Rewards® Card?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Gate City Bank Maximum Rewards® Card report your account activity to credit bureaus?

Yes, Gate City Bank Maximum Rewards® Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Gate City Bank Maximum Rewards® Card

• Visit the Gate City Bank Maximum Rewards® Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.