Generations FCU Earned Premium Visa Signature
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| Purchase APR (Variable APR) | 12.75% - 18% |
| Balance Transfer APR (Variable APR) | 12.75% - 18% |
| Credit Score Range | 680 - 850 |
| Annual Fee | $0 |
Generations FCU Earned Premium Visa Signature Review
This is a rewards credit card issued by Generations FCU. If you're wondering whether Generations FCU Earned Premium Visa Signature is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. Generations FCU Earned Premium Visa Signature has a variable purchase APR that ranges from 12.75% 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.
| The Good | The Bad |
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Does Generations FCU Earned Premium Visa Signature have a cash back or rewards program?
Generations FCU Earned Premium Visa Signature is a rewards card.
| Minimum rewards rate | 1.5x |
| Max rewards rate | N/A |
| Annual rewards limit | 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 12.75% up to 18%. The card has a variable balance transfer APR that ranges from 12.75% up to 18%. It also has a variable cash advance APR that ranges from 12.75% 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
| 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 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.
Contact
- Headquarters
-
9311 San Pedro Ave.
San Antonio, TX 78216 USA - Visit Site
- Email Support
About Generations FCU Earned Premium Visa Signature
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
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | 0% |
| Minimum Cash Advance Fee ($) | $0 |
| No Annual Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $28 |
| Late Fee Amount | Up to $28 |
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