Last Updated: 07/28/2025
Generations FCU Earned Rewards Visa
Unaffiliated
in Credit Cards from Generations FCU
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.75% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.75% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
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.
Key Takeaways
- APRs: Generations FCU Earned Rewards Visa has a variable regular 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 cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 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 up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, price protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Generations FCU Earned Rewards Visa
| The Good | The Bad |
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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.
| Description |
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?
Generations FCU Earned Rewards Visa 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Generations FCU Earned Rewards Visa 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 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Generations FCU Earned Rewards Visa is (210) 229-1128.
What is the support contact email for Generations FCU Earned Rewards Visa?
The support contact email for Generations FCU Earned Rewards Visa is info@mygenfcu.org.
How do people rate the customer service and user experience of Generations FCU Earned Rewards Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Generations FCU Earned Rewards Visa report your account activity to credit bureaus?
Yes, Generations FCU Earned Rewards Visa reports to the following credit bureaus:
- 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 build your credit.
Does Generations FCU perform a hard credit pull?
Yes, Generations FCU Earned Rewards Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Generations FCU Earned Rewards Visa
- Visit the website of Generations FCU Earned Rewards Visa.
- 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.
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
Other Services by Generations FCU
Other Credit Cards from Generations FCU
Rating not yet determined
Purchase APR
15.75% - 18%
Disclaimer popup with additional information
Balance Transfer APR
15.75% - 18%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11% - 18%
Disclaimer popup with additional information
Balance Transfer APR
11% - 18%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14%
Disclaimer popup with additional information
Balance Transfer APR
14%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
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