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  GECU Empowerment Credit Card

GECU Empowerment Credit Card

in Personal Credit Cards from GECU

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GECU Empowerment Credit Card

Unaffiliated

in Personal Credit Cards from GECU

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Highlights
Purchase APR  (Variable APR) 7.9% - 17.65%
Balance Transfer APR  (Variable APR) 7.9% - 17.65%
Credit Score Range 610 - 850
Annual Fee $0

GECU Empowerment Credit Card Review

This is a credit card issued by GECU. If you're wondering whether GECU Empowerment Credit 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
  • Competitive APRs. GECU Empowerment Credit Card has a variable purchase APR that ranges from 7.9% up to 17.65%.
  • 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 oods if your credit score is above610.
Pros & Cons of GECU Empowerment Credit Card
The Good The Bad
  • 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 or poor 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 7.9% up to 17.65%. The card has a variable balance transfer APR that ranges from 7.9% up to 17.65%. It also has a variable cash advance APR that ranges from 9.9% 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 up to 6 months.

GECU Empowerment Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.9%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 7.9% - 17.65%
Balance Transfer Fee % 0%

Does GECU Empowerment Credit Card have an intro APR offer on new purchases?

GECU Empowerment Credit Card Purchase Intro Offer
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 up to 6 months.

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 have a foreign transaction fee?

GECU Empowerment Credit Card charges a foreign transaction fee of 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 GECU Empowerment Credit Card customer service number 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.

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.

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.

Contact

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

About GECU Empowerment Credit Card

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View all personal credit cards offered by GECU

Availability

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

Feature Breakdown

Introductory Rate 1.9%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 610 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Assistance
  • Concierge
Rewards Type No Rewards
Cash Advance APR (Variable APR) 9.9% - 17.9%
Balance Computation Average daily balance (including purchases).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 7.9% - 17.65%
Balance Transfer Introductory APR (Variable APR) 1.9%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 7.9% - 17.65%
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
Card Network Mastercard

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