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  Great Lakes Credit Union Visa Everyday Rewards Card
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Great Lakes Credit Union Visa Everyday Rewards Card

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Highlights
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
  • 2 points will be earned for every $1 dollar of a qualifying credit card purchase.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 18.74% up to 28.74%.
  • 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 Everyday Rewards Card is accepted.
  • Great Lakes Credit Union Visa Everyday Rewards Card 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.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee , if you transfer the balance within 186 days.

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 ($) $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.

Great Lakes Credit Union Visa Everyday Rewards Card Balance Transfers
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?

Great Lakes Credit Union Visa Everyday Rewards Card Purchase Intro Offer
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:

Great Lakes Credit Union Visa Everyday Rewards Card Fees
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.

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.

Other Credit Cards by Great Lakes Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
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) 20,000
Signup Bonus $200
Cash Advance APR (Variable APR) 30.24%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Credit Limit $0
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 18.74% - 28.74%
(Verified 08/04/2023)
Balance Transfer Fee Intro Period 186 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 18.74% - 28.74%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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