Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.74% - 17.90%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.74% - 17.90%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
GECU Rewards Credit Card Review
This is a rewards card issued by GECU. If you're wondering whether GECU Rewards Credit Card is the right card for you, read on.
Key Takeaways
- APRs: GECU Rewards Credit Card has a variable regular purchase APR that ranges from 13.74% up to 17.90%.
- 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 up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of GECU Rewards Credit Card
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GECU Rewards Credit Card FAQ
Does GECU Rewards Credit Card have a cash back or rewards program?
GECU Rewards Credit Card is a rewards card.
| Description |
Does GECU Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does GECU Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the GECU Rewards Credit Card benefits?
GECU Rewards Credit Card provides the following benefits:
- Zero fraud liability
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for GECU Rewards 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 Rewards Credit Card has a variable purchase APR that ranges from 13.74% up to 17.90%. The card has a variable balance transfer APR that ranges from 13.74% up to 17.90%. The card has a variable cash advance APR of up to 17.90%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does GECU Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does GECU Rewards Credit 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 GECU Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does GECU Rewards Credit Card have a foreign transaction fee?
GECU Rewards 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 Rewards Credit Card?
The customer service number for GECU Rewards Credit Card is (800) 772-4328.
What is the support contact email for GECU Rewards Credit Card?
The support contact email for GECU Rewards Credit Card is _gecusupport@gecu.com.
What is the login page for GECU Rewards Credit Card?
You can access the login page of GECU Rewards Credit Card here.
How do people rate the customer service and user experience of GECU Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does GECU Rewards Credit Card report your account activity to credit bureaus?
Yes, GECU Rewards 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 Rewards 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 Rewards Credit Card
- Visit the website of GECU Rewards 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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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