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  Great Lakes Credit Union Visa Rewards

Great Lakes Credit Union Visa Rewards

in Personal Credit Cards from Great Lakes Credit Union

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Great Lakes Credit Union Visa Rewards

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in Personal Credit Cards from Great Lakes Credit Union

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Highlights
Purchase APR  (Variable APR) 9.99% - 25.24%
Balance Transfer APR  (Variable APR) 9.99% - 25.24%
Credit Score Range 650 - 850
Annual Fee $0

Great Lakes Credit Union Visa Rewards Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 30000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Great Lakes Credit Union Visa Rewards has a variable purchase APR that ranges from 9.99% up to 25.24%.
  • 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 Rewards 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.
  • 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
  • 2 points will be earned for every $1 dollar of a qualifying credit card purchase.
  • Lower than average purchase APRs.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Cardholders can earn rewards on purchases everywhere Great Lakes Credit Union Visa Rewards is accepted.
  • Great Lakes Credit Union Visa Rewards reports to multiple credit bureaus.
  • No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, or insurance charges posted to their account.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee.
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.

Great Lakes Credit Union Visa Rewards Rewards
Minimum rewards rate 2x
Max rewards rate 2x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 30000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does Great Lakes Credit Union Visa Rewards have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 30000 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 9.99% up to 25.24%. The card has a variable balance transfer APR that ranges from 9.99% up to 25.24%.

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?

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

Does Great Lakes Credit Union Visa Rewards 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 Great Lakes Credit Union Visa Rewards?

The following fees apply:

Great Lakes Credit Union Visa Rewards Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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 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 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.

Does Great Lakes Credit Union Visa Rewards report your account activity to credit bureaus?

Yes, Great Lakes Credit Union Visa Rewards 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Great Lakes Credit Union

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View all personal credit cards offered by Great Lakes Credit Union

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

No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
Rewards Categories
  • Every Purchase
Signup Bonus (points) 30,000
Balance Computation Average daily balance (including new purchases).
Credit Limit $9.99 - $25.24
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.99% - 25.24%
Balance Transfer APR (Variable APR) 9.99% - 25.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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