Last Updated: 07/28/2025
Gate City Bank Platinum Edition® Card
Unaffiliated
in Credit Cards from Gate City Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
14.24% - 23.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
14.24% - 23.24%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Gate City Bank Platinum Edition® Card Review
This is a card issued by Gate City Bank. If you're wondering whether Gate City Bank Platinum Edition® 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 15 months.
- Signup bonus. Offers a signup bonus of up to $25.
- APRs: Gate City Bank Platinum Edition® Card has a fixed purchase APR that ranges from 14.24% up to 23.24%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Gate City Bank Platinum Edition® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Gate City Bank Platinum Edition® Card
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Gate City Bank Platinum Edition® Card FAQ
Does Gate City Bank Platinum Edition® Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Gate City Bank Platinum Edition® 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 Platinum Edition® Card has a fixed purchase APR that ranges from 14.24% up to 23.24%. The card has a fixed balance transfer APR that ranges from 14.24% up to 23.24%. It also has a fixed cash advance APR of 25.24% .
Does Gate City Bank Platinum Edition® 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 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.24% - 23.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 450 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Gate City Bank Platinum Edition® 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 Platinum Edition® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 card.
Does Gate City Bank Platinum Edition® Card have a foreign transaction fee?
Gate City Bank Platinum Edition® 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 Platinum Edition® Card?
The customer service number for Gate City Bank Platinum Edition® Card is (800) 423-3344.
What is the support contact email for Gate City Bank Platinum Edition® Card?
The support contact email for Gate City Bank Platinum Edition® Card is socialmedia@gatecity.bank.
What is the login page for Gate City Bank Platinum Edition® Card?
You can access the login page of Gate City Bank Platinum Edition® Card here.
How do people rate the customer service and user experience of Gate City Bank Platinum Edition® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Gate City Bank Platinum Edition® Card report your account activity to credit bureaus?
Yes, Gate City Bank Platinum Edition® 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 Platinum Edition® 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 Platinum Edition® Card
- Visit the website of Gate City Bank Platinum Edition® 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.
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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.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 10:00PM
Tuesday
7:00AM - 10:00PM
Wednesday
7:00AM - 10:00PM
Thursday
7:00AM - 10:00PM
Friday
7:00AM - 10:00PM
Saturday
Invalid DateTime - 6:00PM