Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.90% - 17.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.90% - 17.90%(Verified 06/21/2024)
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Credit Score Range
610 - 850
Annual Fee
$0
GECU Empowerment Credit Card Review
This is a card issued by GECU. If you're wondering whether GECU Empowerment Credit Card is the right card for you, read on.
Key Takeaways
- APRs: GECU Empowerment Credit Card has a variable regular purchase APR that ranges from 10.90% up to 17.90%.
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of GECU Empowerment Credit Card
| The Good | The Bad |
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GECU Empowerment Credit Card FAQ
Does GECU Empowerment Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for GECU Empowerment Credit 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.GECU Empowerment Credit Card has a variable purchase APR that ranges from 10.90% up to 17.90%. The card has a variable balance transfer APR that ranges from 10.90% up to 17.90%. The card has a variable cash advance APR of up to 17.9%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does GECU Empowerment Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.9% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.90% - 17.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does GECU Empowerment Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 1.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 1.9% on qualified purchases for a period of 6 months.
What are the fees for GECU Empowerment Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does GECU Empowerment Credit Card have a foreign transaction fee?
GECU Empowerment Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 GECU Empowerment Credit Card?
The customer service number for GECU Empowerment Credit Card is (800) 772-4328.
What is the support contact email for GECU Empowerment Credit Card?
The support contact email for GECU Empowerment Credit Card is _gecusupport@gecu.com.
What is the login page for GECU Empowerment Credit Card?
You can access the login page of GECU Empowerment Credit Card here.
How do people rate the customer service and user experience of GECU Empowerment Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does GECU Empowerment Credit Card report your account activity to credit bureaus?
Yes, GECU Empowerment Credit 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 GECU perform a hard credit pull?
Yes, GECU Empowerment Credit 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 GECU Empowerment Credit Card
- Visit the website of GECU Empowerment Credit 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
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM