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  Generations FCU Earned Premium Visa Signature
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Generations FCU Earned Premium Visa Signature

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Highlights
Purchase APR  (Variable APR) 15.75% - 18%
(Verified 12/21/2022)
Balance Transfer APR  (Variable APR) 15.75% - 18%
(Verified 12/21/2022)
Credit Score Range 680 - 850
Annual Fee $0

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

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere Generations FCU Earned Premium Visa Signature is accepted.
  • Generations FCU Earned Premium Visa Signature reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.

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.

Generations FCU Earned Premium Visa Signature Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Generations FCU Earned Premium Visa Signature have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Generations FCU Earned Premium Visa Signature offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

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.

Does Generations FCU Earned Premium Visa Signature have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Generations FCU Earned Premium Visa Signature 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 Generations FCU Earned Premium Visa Signature?

The following fees apply:

  • There is no overlimit fee
Generations FCU Earned Premium Visa Signature Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $28
Late Payment Fee up to $28

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 have a foreign transaction fee?

Generations FCU Earned Premium Visa Signature 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 Generations FCU Earned Premium Visa Signature?

The Generations FCU Earned Premium Visa Signature customer service number is (210) 229-1128.

What is the support contact email for Generations FCU Earned Premium Visa Signature?

The support contact email for Generations FCU Earned Premium Visa Signature is info@mygenfcu.org.

What is the Generations FCU Earned Premium Visa Signature login page?

You can access the Generations FCU Earned Premium Visa Signature login page here.

How do people rate the customer service and user experience of Generations FCU Earned Premium Visa Signature?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 6:00pm
  • Tuesday 7:00am - 6:00pm
  • Wednesday 7:00am - 6:00pm
  • Thursday 7:00am - 6:00pm
  • Friday 7:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

About Generations FCU Earned Premium Visa Signature

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $28
Late Fee Amount Up to $28
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Price Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 15.75% - 18%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 15.75% - 18%
(Verified 12/21/2022)
Balance Transfer APR (Variable APR) 15.75% - 18%
(Verified 12/21/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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