
Great Lakes Credit Union Visa Everyday Rewards Card
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Purchase APR (Variable APR) |
18.74% - 28.74% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
18.74% - 28.74% (Verified 08/04/2023) |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
Great Lakes Credit Union Visa Everyday Rewards Card Review
This is a rewards card issued by Great Lakes Credit Union. If you're wondering whether Great Lakes Credit Union Visa Rewards 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.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
- Signup bonus. Offers a signup bonus of up to $200 if you spend $3000 within 3 months.
- Signup bonus. Offers a signup bonus of 20000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 28.74%.
- 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. Great Lakes Credit Union Visa Everyday Rewards Card charges a fee of 3% on balance transfers, if you transfer the balance within 186 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Great Lakes Credit Union Visa Rewards
The Good | The Bad |
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Great Lakes Credit Union Visa Rewards FAQ
Does Great Lakes Credit Union Visa Rewards have a cash back or rewards program?
Great Lakes Credit Union Visa Rewards is a rewards card.
Minimum rewards rate | 2x |
Max rewards rate | 2x |
Annual rewards limit | N/A |
Signup Bonus ($) | $200 |
Signup Bonus (Points/Miles) | 20000 |
Signup Bonus Spend Requirement | $3000 |
Signup Bonus Spend Period (months) | 3 months |
Does Great Lakes Credit Union Visa Rewards have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 after spending $3000. However, it does include a 20000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.
Does Great Lakes Credit Union Visa Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Great Lakes Credit Union Visa Rewards benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Great Lakes Credit Union Visa Rewards?
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 higher than average regular APRs.Great Lakes Credit Union Visa Everyday Rewards Card has a variable purchase APR that ranges from 18.74% up to 28.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 28.74%. It also has a variable cash advance APR of 30.24% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Great Lakes Credit Union Visa Rewards 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 Fee Intro Period | 186 days |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 18.74% - 28.74% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Great Lakes Credit Union Visa Rewards have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Great Lakes Credit Union Visa Rewards?
The following fees apply:
Description | |
---|---|
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee? | |
Annual Fee | $0 |
Minimum Interest Charge | $0 |
No Interest Grace Period for Late Payment | 21 days |
Returned Payment Fee | Up to $41 |
Late Fee Amount | Up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Great Lakes Credit Union Visa Rewards have a foreign transaction fee?
Great Lakes Credit Union Visa Rewards charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Great Lakes Credit Union Visa Rewards?
The Great Lakes Credit Union Visa Rewards customer service number is (800) 982-7850.
What is the support contact email for Great Lakes Credit Union Visa Rewards?
The support contact email for Great Lakes Credit Union Visa Rewards is memberservices@glcu.org.
What is the Great Lakes Credit Union Visa Rewards login page?
You can access the Great Lakes Credit Union Visa Rewards login page here.
How do people rate the customer service and user experience of Great Lakes Credit Union Visa Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Great Lakes Credit Union Visa Everyday Rewards Card report your account activity to credit bureaus?
Yes, Great Lakes Credit Union Visa Everyday Rewards 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 Great Lakes Credit Union Visa Rewards
- Visit the Great Lakes Credit Union Visa Rewards 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
-
P.O. Box 1289
Bannockburn, IL 60015 USA - (800) 982-7850
- Visit Site
- Email Support
Other Services by Great Lakes Credit Union
Other Credit Cards by Great Lakes Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
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- Maryland
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- Nevada
- New Hampshire
- New Jersey
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- Ohio
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- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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