Genisys Credit Rewards Mastercard Credit Card
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| Purchase APR (Variable APR) |
13.99% - 18% (Verified 12/23/2022) |
| Balance Transfer APR (Variable APR) |
13.99% - 18% (Verified 12/23/2022) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Genisys Credit Rewards Mastercard Credit Card Review
This is a rewards card issued by Genisys Credit Union. If you're wondering whether Genisys Credit Rewards Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Genisys Credit Rewards Mastercard Credit Card has a variable purchase APR that ranges from 13.99% up to 18%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Genisys Credit Rewards Mastercard Credit Card
| The Good | The Bad |
|---|---|
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Genisys Credit Rewards Mastercard Credit Card FAQ
Does Genisys Credit Rewards Mastercard Credit Card have a cash back or rewards program?
Genisys Credit Rewards Mastercard Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Genisys Credit Rewards Mastercard Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Genisys Credit Rewards Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Genisys Credit Rewards Mastercard Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Genisys Credit Rewards Mastercard Credit Card?
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.Genisys Credit Rewards Mastercard Credit Card has a variable purchase APR that ranges from 13.99% up to 18%. The card has a variable balance transfer APR that ranges from 13.99% up to 18%. It also has a variable cash advance APR that ranges from 13.99% up to 18%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Genisys Credit Rewards Mastercard Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Genisys Credit Rewards Mastercard Credit Card 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 Genisys Credit Rewards Mastercard Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1.1% |
| Returned Payment Fee | up to $26 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Genisys Credit Rewards Mastercard Credit Card have a foreign transaction fee?
Genisys Credit Rewards Mastercard Credit Card charges a foreign transaction fee of 1.1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $22. 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 Genisys Credit Rewards Mastercard Credit Card?
The Genisys Credit Rewards Mastercard Credit Card customer service number is (800) 521-8440.
What is the support contact email for Genisys Credit Rewards Mastercard Credit Card?
The support contact email for Genisys Credit Rewards Mastercard Credit Card is info@genisyscu.org.
What is the Genisys Credit Rewards Mastercard Credit Card login page?
You can access the Genisys Credit Rewards Mastercard Credit Card login page here.
How do people rate the customer service and user experience of Genisys Credit Rewards Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Genisys Credit Rewards Mastercard Credit Card report your account activity to credit bureaus?
Yes, Genisys Credit Rewards Mastercard Credit Card 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 Genisys Credit Rewards Mastercard Credit Card
- Visit the Genisys Credit Rewards Mastercard Credit Card 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
-
2100 Executive Hills Blvd.
Auburn Hills, MI 48326 USA - (800) 521-8440
- Visit Site
- Email Support
About Genisys Credit Rewards Mastercard Credit Card
Availability
- 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 | 1.1% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Interest Grace Period for Late Payment | 28 days |
| Returned Payment Fee | Up to $26 |
| Late Fee Amount | Up to $25 |
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