Goldenwest Credit Union Visa Rewards Credit Card
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| Purchase APR (Variable APR) |
11.74% - 18% (Verified 12/13/2022) |
| Balance Transfer APR (Variable APR) |
11.74% - 18% (Verified 12/13/2022) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Goldenwest Credit Union Visa Rewards Credit Card Review
This is a rewards card issued by Goldenwest Credit Union. If you're wondering whether Goldenwest Credit Union Visa Rewards Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- Competitive APRs. Goldenwest Credit Union Visa Rewards Credit Card has a variable purchase APR that ranges from 11.74% 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Goldenwest Credit Union Visa Rewards Credit Card
| The Good | The Bad |
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Goldenwest Credit Union Visa Rewards Credit Card FAQ
Does Goldenwest Credit Union Visa Rewards Credit Card have a cash back or rewards program?
Goldenwest Credit Union Visa Rewards Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Goldenwest Credit Union Visa Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Goldenwest Credit Union Visa Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Goldenwest Credit Union Visa Rewards Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Goldenwest Credit Union Visa 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.Goldenwest Credit Union Visa Rewards Credit Card has a variable purchase APR that ranges from 11.74% up to 18%. The card has a variable balance transfer APR that ranges from 11.74% up to 18%. It also has a variable cash advance APR that ranges from 11.74% up to 18%.
Does Goldenwest Credit Union Visa Rewards Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 11.74% - 18% |
| Balance Transfer Fee % | 0% |
Does Goldenwest Credit Union Visa 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 Goldenwest Credit Union Visa Rewards Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $22 |
| Late Payment Fee | up to $22 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Goldenwest Credit Union Visa Rewards Credit Card have a foreign transaction fee?
Goldenwest Credit Union Visa Rewards Credit Card charges a foreign transaction fee of 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 Goldenwest Credit Union Visa Rewards Credit Card?
The Goldenwest Credit Union Visa Rewards Credit Card customer service number is (800) 283-4550.
What is the support contact email for Goldenwest Credit Union Visa Rewards Credit Card?
The support contact email for Goldenwest Credit Union Visa Rewards Credit Card is memberservice@gwcu.org.
What is the Goldenwest Credit Union Visa Rewards Credit Card login page?
You can access the Goldenwest Credit Union Visa Rewards Credit Card login page here.
How do people rate the customer service and user experience of Goldenwest Credit Union Visa Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Goldenwest Credit Union Visa Rewards Credit Card report your account activity to credit bureaus?
Yes, Goldenwest Credit Union Visa 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 Goldenwest Credit Union Visa Rewards Credit Card
- Visit the Goldenwest Credit Union Visa 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
-
5025 South Adams Avenue
South Ogden, UT 84403 USA - (800) 283-4550
- Visit Site
- Email Support
About Goldenwest Credit Union Visa Rewards 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 (%) | 1.5% |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $22 |
| Late Fee Amount | Up to $22 |
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