Gate City Bank Platinum Edition® Card
in Personal Credit Cards from Gate City Bank
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| Purchase APR (Fixed APR) | 14.24% - 23.24% |
| Balance Transfer APR (Fixed APR) | 14.24% - 23.24% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Gate City Bank Platinum Edition® Card Review
This is a credit 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. This review will provide you with with all the details you need to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- Signup bonus. Offers a signup bonus of $25.
- Competitive 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.
- 3% Balance transfer fee. Gate City Bank Platinum Edition® Card charges a fee of 3% on balance transfers, if you transfer the balance within 450 days of opening the account. 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 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 600.
| The Good | The Bad |
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Does Gate City Bank Platinum Edition® Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Gate City Bank Platinum Edition® Card benefits?
It provides the following benefits:
- 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It 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 up to 15 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 5% |
| Balance Transfer Fee Intro Period | 450 days |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 15 months |
| Balance Transfer APR | 14.24% - 23.24% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 3% |
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?
The following fees apply:
| 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 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 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 Gate City Bank Platinum Edition® Card customer service number is (800) 423-3344.
Does Gate City Bank Platinum Edition® Card report your account activity to credit bureaus?
Yes, Gate City Bank Platinum Edition® 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 Platinum Edition® Card
- Visit the Gate City Bank Platinum Edition® 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.
Contact
- Headquarters
-
P.O. Box 2847
Fargo, ND 58108 - (800) 423-3344
- Visit Site
Other Services by Gate City Bank
Availability
- 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
| 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 |
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