GEM Federal Credit Union Visa Classic
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| Purchase APR (Fixed APR) | 16.9% |
| Balance Transfer APR (Fixed APR) | 16.9% |
| Credit Score Range | 600 - 850 |
| Annual Fee | N/A |
GEM Federal Credit Union Visa Classic Review
This is a credit 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
- Competitive 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 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of GEM Federal Credit Union Visa Classic
| The Good | The Bad |
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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.
What are the GEM Federal Credit Union Visa Classic benefits?
It provides the following benefits:
- 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 is 15% for all credit cards and 17% for accounts that carry a balance.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?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $15 |
| Late Payment Fee | up to $15 |
Does GEM Federal Credit Union Visa Classic have a foreign transaction fee?
GEM Federal Credit Union Visa Classic 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 GEM Federal Credit Union Visa Classic?
The GEM Federal Credit Union Visa Classic customer service number 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 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 GEM Federal Credit Union Visa Classic
- Visit the GEM Federal Credit Union Visa Classic 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.
Contact
- Headquarters
-
2401 North Broadway
Minot, ND 58703 USA - (701) 852-3866
- Visit Site
- Email Support
About GEM Federal Credit Union Visa Classic
Availability
- 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
| Foreign Currency Transaction Fee | 1% |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $15 |
| Late Fee Amount | Up to $15 |
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