Georgias Own Visa Signature Rewards Credit Card
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| 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.
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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Georgias Own Visa Signature Rewards Credit Card
| The Good | The Bad |
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Georgias Own Visa Signature Rewards Credit Card FAQ
Does Georgias Own Visa Signature Rewards Credit Card have a cash back or rewards program?
Georgias Own Visa Signature Rewards Credit Card is a rewards card.
| Minimum rewards rate | 1.25x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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. This card has lower than average regular APRs.Georgias Own Visa Signature Rewards Credit Card 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:
| 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.
What is the support contact email for Georgias Own Visa Signature Rewards Credit Card?
The support contact email for Georgias Own Visa Signature Rewards Credit Card is memberservices@georgiasown.org.
What is the Georgias Own Visa Signature Rewards Credit Card login page?
You can access the Georgias Own Visa Signature Rewards Credit Card login page here.
How do people rate the customer service and user experience of Georgias Own Visa Signature Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
1155 Peachtree St. NE Suite 600
Atlanta, GA 30309 USA - (800) 533-2062
- Visit Site
- Email Support
Other Services by Georgia's Own Credit Union
Availability
- 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 (%) | 3% |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $37 |
| Late Fee Amount | Up to $37 |
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