GECU Rewards Credit Card Review

GECU Rewards Credit Card is a rewards credit card issued by GECU. If you're wondering whether GECU Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. GECU Rewards Credit Card has a variable purchase APR that ranges from 10.74% up to 16.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 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.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere GECU Rewards Credit Card is accepted. GECU Rewards Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Rewards bonus rate of only 1.5% on most everyday purchases. Terms apply*.

Is there a GECU Rewards Credit Card cash back or rewards program?

GECU Rewards Credit Card offers a rewards program to its customers.

GECU Rewards Credit Card Rewards

Minimum rewards rate	1.5x
Max rewards rate	1.5x
Annual rewards limit	N/A

What are the GECU Rewards Credit Card benefits?

GECU Rewards Credit Card provides the following benefits:

• Zero fraud liability
• Cellular Telephone Protection
• Reports to major credit bureaus

What are the relevant APRs for GECU Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. GECU Rewards Credit Card has lower than average purchase APRs.

GECU Rewards Credit Card has a variable purchase APR that ranges from 10.74% up to 16.74%. The card has a variable balance transfer APR that ranges from 10.74% up to 16.74%. It also has a variable cash advance APR that ranges from 12.74% up to 17.90%.

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 Rewards Credit Card?

The following fees apply to GECU Rewards Credit Card:

• There is no overlimit fee

GECU Rewards 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

Does GECU Rewards Credit Card report your account activity to credit bureaus?

Yes, GECU Rewards 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 Rewards Credit Card

• Visit the GECU Rewards 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.