Last Updated: 07/28/2025
Georgia's Own Visa Classic Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.99% - 16.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.99% - 16.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 850
Annual Fee
$0
Georgia's Own Visa Classic Credit Card Review
This is a card issued by Georgia's Own Credit Union. If you're wondering whether Georgia's Own Visa Classic Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Georgia's Own Visa Classic Credit Card has a variable regular purchase APR that ranges from 11.99% up to 16.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Georgia's Own Visa Classic Credit Card 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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Georgia's Own Visa Classic Credit Card
| The Good | The Bad |
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Georgia's Own Visa Classic Credit Card FAQ
Does Georgia's Own Visa Classic Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Georgia's Own Visa Classic Credit Card?
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.Georgia's Own Visa Classic Credit Card has a variable purchase APR that ranges from 11.99% up to 16.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 16.99%. It also has a variable cash advance APR that ranges from 11.99% up to 16.99%.
Note that late payments are subject to an APR of 17.99% 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 Georgia's Own Visa Classic Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Georgia's Own Visa Classic 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 Georgia's Own Visa Classic Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Georgia's Own Visa Classic Credit Card have a foreign transaction fee?
Georgia's Own Visa Classic Credit Card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Georgia's Own Visa Classic Credit Card?
The customer service number for Georgia's Own Visa Classic Credit Card is (800) 533-2062.
What is the support contact email for Georgia's Own Visa Classic Credit Card?
The support contact email for Georgia's Own Visa Classic Credit Card is memberservices@georgiasown.org.
How do people rate the customer service and user experience of Georgia's Own Visa Classic Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Georgia's Own Visa Classic Credit Card report your account activity to credit bureaus?
Yes, Georgia's Own Visa Classic Credit Card 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 Georgia's Own Credit Union perform a hard credit pull?
Yes, Georgia's Own Visa Classic Credit Card 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 Georgia's Own Visa Classic Credit Card
- Visit the website of Georgia's Own Visa Classic Credit Card.
- 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.
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Other Credit Cards from Georgia's Own Credit Union
Rating not yet determined
Purchase APR
12.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.99% - 12.99%
Disclaimer popup with additional information
Balance Transfer APR
9.99% - 12.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.99% - 14.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 14.99%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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