Generations FCU Earned Premium Visa Signature

Generations FCU Earned Premium Visa Signature Review

This is a rewards card issued by Generations FCU. If you're wondering whether Generations FCU Earned Premium Visa Signature is the right card for you, read on.

Key Takeaways

• Competitive APRs. Generations FCU Earned Premium Visa Signature has a variable purchase APR that ranges from 15.75% up to 18%.
• 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.
• 3% Balance transfer fee. Generations FCU Earned Premium Visa Signature charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• 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 rental insurance, access to a concierge, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Generations FCU Earned Premium Visa Signature

Generations FCU Earned Premium Visa Signature FAQ

Does Generations FCU Earned Premium Visa Signature have a cash back or rewards program?

Generations FCU Earned Premium Visa Signature is a rewards card.

What are the Generations FCU Earned Premium Visa Signature benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Generations FCU Earned Premium Visa Signature?

Generations FCU Earned Premium Visa Signature has a variable purchase APR that ranges from 15.75% up to 18%. The card has a variable balance transfer APR that ranges from 15.75% up to 18%. It also has a variable cash advance APR that ranges from 15.75% up to 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Generations FCU Earned Premium Visa Signature?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Generations FCU Earned Premium Visa Signature report your account activity to credit bureaus?

Yes, Generations FCU Earned Premium Visa Signature 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 Generations FCU Earned Premium Visa Signature

• Visit the Generations FCU Earned Premium Visa Signature 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.