Last Updated: 05/14/2026
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Highlights
Purchase APR (Fixed APR)
18.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
18.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- APR: 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Gate City Bank Maximum Rewards® Card
| The Good | The Bad |
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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.
| Description |
Does Gate City Bank Maximum Rewards® Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Gate City Bank Maximum Rewards® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Gate City Bank Maximum Rewards® Card benefits?
Gate City Bank Maximum Rewards® Card 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?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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% .
Does Gate City Bank Maximum Rewards® Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.49% - 24.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Gate City Bank Maximum Rewards® Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Gate City Bank Maximum Rewards® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 have a foreign transaction fee?
Gate City Bank Maximum Rewards® Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Gate City Bank Maximum Rewards® Card?
The customer service number for Gate City Bank Maximum Rewards® Card is (800) 423-3344.
What is the support contact email for Gate City Bank Maximum Rewards® Card?
The support contact email for Gate City Bank Maximum Rewards® Card is socialmedia@gatecity.bank.
How do people rate the customer service and user experience of Gate City Bank Maximum Rewards® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Gate City Bank Maximum Rewards® Card report your account activity to credit bureaus?
Yes, Gate City Bank Maximum Rewards® Card reports to the following credit bureaus:
- 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 build your credit.
Does Gate City Bank perform a hard credit pull?
Yes, Gate City Bank Maximum Rewards® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Gate City Bank Maximum Rewards® Card
- Visit the website of Gate City Bank Maximum Rewards® Card.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
SundayClosedMonday7:00AM - 10:00PMTuesday7:00AM - 10:00PMWednesday7:00AM - 10:00PMThursday7:00AM - 10:00PMFriday7:00AM - 10:00PMSaturdayInvalid DateTime - 6:00PM
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Other Credit Cards from Gate City Bank
Rating not yet determined
Purchase APR
14.24% - 23.24%
Disclaimer popup with additional information
Balance Transfer APR
14.24% - 23.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.49%
Disclaimer popup with additional information
Balance Transfer APR
26.49%
Disclaimer popup with additional information
Credit Score Range
350 - 850
300
850
Annual Fee
$35
SuperMoney Net Recommendation Score
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