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  Gate City Bank Maximum Rewards® Card

Gate City Bank Maximum Rewards® Card

in Personal Credit Cards from Gate City Bank

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Gate City Bank Maximum Rewards® Card

Unaffiliated

in Personal Credit Cards from Gate City Bank

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Highlights
Purchase APR  (Fixed APR) 18.24% - 28.24%
Balance Transfer APR  (Fixed APR) 18.24% - 28.24%
Credit Score Range 650 - 850
Annual Fee $0

Gate City Bank Maximum Rewards® Card Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

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 18.24% up to 28.24%.
  • 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 oods if your credit score is above650.
Pros & Cons of Gate City Bank Maximum Rewards® Card
The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Gate City Bank Maximum Rewards® Card is accepted.
  • Gate City Bank Maximum Rewards® Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.
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.

Gate City Bank Maximum Rewards® Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A

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?

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?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a fixed purchase APR that ranges from 18.24% up to 28.24%. The card has a fixed balance transfer APR that ranges from 18.24% up to 28.24%. It also has a fixed cash advance APR of 25.24% .

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 up to 6 months.

Gate City Bank Maximum Rewards® Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 18.24% - 28.24%
Balance Transfer Fee Minimum $10

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?

The following fees apply:

Gate City Bank Maximum Rewards® Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $40

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 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 Gate City Bank Maximum Rewards® Card customer service number is (800) 423-3344.

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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1.5
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $15
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $15
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.75
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
No Blackout Dates
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) 25.24%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Fixed APR) 18.24% - 28.24%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) 18.24% - 28.24%
Balance Transfer Fee Minimum $10
Card Type
  • Rewards
Card Network Visa

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