SuperMoney
  Great Western Rewards Visa Credit Card

Great Western Rewards Visa Credit Card

in Personal Credit Cards from Great Western Bank

Unaffiliated

Great Western Rewards Visa Credit Card

Unaffiliated

in Personal Credit Cards from Great Western Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Great Western Rewards Visa Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

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

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 oods if your credit score is above650.
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.
  • 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.
  • 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

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. It has lower than average regular APRs.

It 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.

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

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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
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
  • Fraud Liability
No Blackout Dates
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 19.99% - 23.99%
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

Be the first to rate

 

Would you recommend Great Western Rewards Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards