GECU Empowerment Credit Card

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

• Competitive APRs. GECU Empowerment Credit Card has a variable 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 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 610.

Pros & Cons of GECU Empowerment Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.9%. No balance transfer fee. No annual fee. Multiple credit card perks. Access to a concierge. Identity Theft Protection. Travel assistance insurance Considers applicants with fair credit. GECU Empowerment Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

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.

What are the GECU Empowerment Credit Card benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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.

What are the fees for GECU Empowerment Credit Card?

The following fees apply:

• There is no overlimit fee

GECU Empowerment Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1%
Returned Payment Fee	up to $25
Late Payment Fee	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 report your account activity to credit bureaus?

Yes, GECU Empowerment Credit 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 GECU Empowerment Credit Card

• Visit the GECU Empowerment Credit 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.