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  Great Western Rewards Visa Credit Card
Great Western Rewards Visa Credit Card
in Credit Cards from Great Western Bank
Unaffiliated

Great Western Rewards Visa Credit Card

Unaffiliated
in Credit Cards from Great Western Bank
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Highlights
Purchase APR  (Variable APR) 9.99% - 23.99%
Balance Transfer APR  (Variable APR) 9.99% - 23.99%
Credit Score Range 650 - 850
Annual Fee $0

Great Western Rewards Visa Credit Card Review

This is a rewards card issued by Great Western Bank. If you're wondering whether Great Western Rewards Visa 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.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Great Western Rewards Visa Credit Card has a variable purchase APR that ranges from 9.99% up to 23.99%.
  • 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.
  • $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 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 Western Rewards Visa Credit Card

The Good The Bad
  • The Great Western Rewards VISA gives you the flexibility to redeem points on merchandise or travel, or even to get a cash rebate on every purchase. There’s no annual fee, your points never expire, and there’s no blackout period for travel—so you can go when it’s convenient for you.
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 9.99% up to 23.99%.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Great Western Rewards Visa Credit Card is accepted.
  • Great Western Rewards Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.

Great Western Rewards Visa Credit Card FAQ

Does Great Western Rewards Visa Credit Card have a cash back or rewards program?

Great Western Rewards Visa Credit Card is a rewards card.

Great Western Rewards Visa Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Great Western Rewards Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Great Western Rewards Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Great Western Rewards Visa Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Great Western Rewards Visa 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.

Great Western Rewards Visa Credit Card has a variable purchase APR that ranges from 9.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 23.99%. It also has a variable cash advance APR that ranges from 19.99% up to 23.99%.

Does Great Western Rewards Visa 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.

Great Western Rewards Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.99% - 23.99%
Balance Transfer Fee % 0%

Does Great Western Rewards Visa Credit Card have an intro APR offer on new purchases?

Great Western Rewards Visa Credit 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 Western Rewards Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Great Western Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $35

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 Western Rewards Visa Credit Card have a foreign transaction fee?

Great Western Rewards Visa Credit Card 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 Western Rewards Visa Credit Card?

The Great Western Rewards Visa Credit Card customer service number is (800) 952-2043.

What is the support contact email for Great Western Rewards Visa Credit Card?

The support contact email for Great Western Rewards Visa Credit Card is customercare@greatwesternbank.com.

What is the Great Western Rewards Visa Credit Card login page?

You can access the Great Western Rewards Visa Credit Card login page here.

How do people rate the customer service and user experience of Great Western Rewards Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Great Western Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, Great Western Rewards Visa 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 Great Western Rewards Visa Credit Card

  • Visit the Great Western Rewards Visa 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.

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 - 5:00pm
  • Saturday Closed

About Great Western Rewards Visa Credit Card

View Great Western Bank Profile

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 $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
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
  • Fraud Liability
No Blackout Dates
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 19.99% - 23.99%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 9.99% - 23.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.99% - 23.99%
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.