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  Generations FCU Earned Rewards Visa

Generations FCU Earned Rewards Visa

in Personal Credit Cards from Generations FCU

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Generations FCU Earned Rewards Visa

Unaffiliated

in Personal Credit Cards from Generations FCU

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Highlights
Purchase APR  (Variable APR) 12.75% - 18%
Balance Transfer APR  (Variable APR) 12.75% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Generations FCU Earned Rewards Visa Review

This is a cashback credit card issued by Generations FCU. If you're wondering whether Generations FCU Earned Rewards Visa 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.

Key Takeaways
  • Competitive APRs. Generations FCU Earned Rewards Visa 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 cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Generations FCU Earned Rewards Visa 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, price protection, purchase protection, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Generations FCU Earned Rewards Visa
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Cardholders can earn rewards on purchases everywhere Generations FCU Earned Rewards Visa is accepted.
  • Generations FCU Earned Rewards Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
Generations FCU Earned Rewards Visa FAQ

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

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.25% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $12.5 back in cash.

Generations FCU Earned Rewards Visa Rewards
Minimum rewards rate 1.25x
Max rewards rate N/A
Annual rewards limit N/A

Does Generations FCU Earned Rewards Visa have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Generations FCU Earned Rewards Visa offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Generations FCU Earned Rewards Visa benefits?

It provides the following benefits:

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

What are the relevant APRs for Generations FCU Earned Rewards Visa?

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

It 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 Rewards Visa 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 Rewards Visa 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 Rewards Visa?

The following fees apply:

  • There is no overlimit fee
Generations FCU Earned Rewards Visa 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 cashback card.

Does Generations FCU Earned Rewards Visa have a foreign transaction fee?

Generations FCU Earned Rewards Visa 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 Rewards Visa?

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

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

Yes, Generations FCU Earned Rewards Visa 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 Rewards Visa

  • Visit the Generations FCU Earned Rewards Visa 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 Rewards Visa

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View all personal credit cards offered by Generations FCU

Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Price Protection
  • Purchase Protection
  • Fraud Liability
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 12.75% - 18%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 12.75% - 18%
Balance Transfer APR (Variable APR) 12.75% - 18%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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