Last Updated: 04/18/2025
GEM Federal Credit Union Visa Classic
Unaffiliated
in Credit Cards from GEM Federal Credit Union
Last Updated: 04/18/2025
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Highlights
Purchase APR (Fixed APR)
16.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
16.9%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
N/A
GEM Federal Credit Union Visa Classic Review
This is a card issued by GEM Federal Credit Union. If you're wondering whether GEM Federal Credit Union Visa Classic is the right card for you, read on.
Key Takeaways
- APRs: GEM Federal Credit Union Visa Classic has a fixed purchase APR of 16.9%
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of GEM Federal Credit Union Visa Classic
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GEM Federal Credit Union Visa Classic FAQ
Does GEM Federal Credit Union Visa Classic have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for GEM Federal Credit Union Visa Classic?
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.GEM Federal Credit Union Visa Classic has a fixed purchase APR of 16.9%. The card has a fixed balance transfer APR of 16.9% . It also has a fixed cash advance APR of 16.9% .
Does GEM Federal Credit Union Visa Classic have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does GEM Federal Credit Union Visa Classic 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 GEM Federal Credit Union Visa Classic?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does GEM Federal Credit Union Visa Classic have a foreign transaction fee?
GEM Federal Credit Union Visa Classic 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 GEM Federal Credit Union Visa Classic?
The customer service number for GEM Federal Credit Union Visa Classic is (701) 852-3866.
What is the support contact email for GEM Federal Credit Union Visa Classic?
The support contact email for GEM Federal Credit Union Visa Classic is gemcu@srt.com.
How do people rate the customer service and user experience of GEM Federal Credit Union Visa Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does GEM Federal Credit Union Visa Classic report your account activity to credit bureaus?
Yes, GEM Federal Credit Union Visa Classic 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 GEM Federal Credit Union perform a hard credit pull?
Yes, GEM Federal Credit Union Visa Classic 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 GEM Federal Credit Union Visa Classic
- Visit the website of GEM Federal Credit Union Visa Classic.
- 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
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Tuesday
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Wednesday
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Thursday
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Friday
8:00AM - Invalid DateTime
Saturday
9:00AM - 12:00PM