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  Georgias Own Visa Signature Rewards Credit Card

Georgias Own Visa Signature Rewards Credit Card

in Personal Credit Cards from Georgia's Own Credit Union

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Georgias Own Visa Signature Rewards Credit Card

Unaffiliated

in Personal Credit Cards from Georgia's Own Credit Union

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Highlights
Purchase APR  (Variable APR) 11.99% - 14.99%
Balance Transfer APR  (Variable APR) 11.99% - 14.99%
Credit Score Range 680 - 850
Annual Fee $0

Georgias Own Visa Signature Rewards Credit Card Review

This is a rewards credit card issued by Georgia's Own Credit Union. If you're wondering whether Georgias Own Visa Signature Rewards Credit Card 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. Georgias Own Visa Signature Rewards Credit Card has a variable purchase APR that ranges from 11.99% up to 14.99%.
  • 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. Georgias Own Visa Signature Rewards 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 2% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Georgias Own Visa Signature Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Travel assistance insurance
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere Georgias Own Visa Signature Rewards Credit Card is accepted.
  • Georgias Own Visa Signature Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee.
Georgias Own Visa Signature Rewards Credit Card FAQ

Does Georgias Own Visa Signature Rewards Credit Card have a cash back or rewards program?

Georgias Own Visa Signature Rewards Credit Card is a rewards card.

Georgias Own Visa Signature Rewards Credit Card Rewards
Minimum rewards rate 1.25x
Max rewards rate N/A
Annual rewards limit N/A

Does Georgias Own Visa Signature Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Georgias Own Visa Signature Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Georgias Own Visa Signature Rewards Credit Card benefits?

It provides the following benefits:

  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Georgias Own Visa Signature Rewards 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.99% up to 14.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 14.99%. It also has a variable cash advance APR that ranges from 11.99% up to 14.99%. Note that late payments are subject to an APR of 24.99% 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 Georgias Own Visa Signature Rewards Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Georgias Own Visa Signature Rewards 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 Georgias Own Visa Signature Rewards Credit Card?

The following fees apply:

Georgias Own Visa Signature Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $37
Late Payment Fee up to $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Georgias Own Visa Signature Rewards Credit Card have a foreign transaction fee?

Georgias Own Visa Signature Rewards Credit Card charges a foreign transaction fee of 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 Georgias Own Visa Signature Rewards Credit Card?

The Georgias Own Visa Signature Rewards Credit Card customer service number is (800) 533-2062.

Does Georgias Own Visa Signature Rewards Credit Card report your account activity to credit bureaus?

Yes, Georgias Own Visa Signature Rewards 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 Georgias Own Visa Signature Rewards Credit Card

  • Visit the Georgias Own Visa Signature Rewards 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.

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 Services by Georgia's Own Credit Union

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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

Every Purchase (Points) 1.25
Every Purchase (Points) It gives you 1.25 points for each dollar charged, which can be redeemed for cash back, gift cards, travel, and merchandise.
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 3%
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 11.99% - 14.99%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 24.99%
Purchase APR (Variable APR) 11.99% - 14.99%
Balance Transfer APR (Variable APR) 11.99% - 14.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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