Last Updated: 07/28/2025
Greater Springfield Credit Union Visa Classic
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
10.25% - 15.5%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
12.25% - 17.5%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
Greater Springfield Credit Union Visa Classic Review
This is a card issued by Greater Springfield Credit Union. If you're wondering whether Greater Springfield Credit Union Visa Classic is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- APRs: Greater Springfield Credit Union Visa Classic has a fixed purchase APR that ranges from 10.25% up to 15.5%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , 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 up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Greater Springfield Credit Union Visa Classic
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Greater Springfield Credit Union Visa Classic FAQ
Does Greater Springfield Credit Union Visa Classic have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Greater Springfield Credit Union Visa Classic?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Greater Springfield Credit Union Visa Classic has a fixed purchase APR that ranges from 10.25% up to 15.5%. The card has a fixed balance transfer APR that ranges from 12.25% up to 17.5%. It also has a fixed cash advance APR that ranges from 12.25% up to 17.5%.
Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Greater Springfield Credit Union Visa Classic have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
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| Balance Transfer APR | 12.25% - 17.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Greater Springfield Credit Union Visa Classic 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 Greater Springfield Credit Union Visa Classic?
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| Returned Payment Fee | $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 1.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $10 . Does Greater Springfield Credit Union Visa Classic have a foreign transaction fee?
Greater Springfield Credit Union Visa Classic charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Greater Springfield Credit Union Visa Classic?
The customer service number for Greater Springfield Credit Union Visa Classic is (413) 872-3161.
What is the support contact email for Greater Springfield Credit Union Visa Classic?
The support contact email for Greater Springfield Credit Union Visa Classic is grscu@grscu.org.
What is the login page for Greater Springfield Credit Union Visa Classic?
You can access the login page of Greater Springfield Credit Union Visa Classic here.
How do people rate the customer service and user experience of Greater Springfield Credit Union Visa Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Greater Springfield Credit Union Visa Classic report your account activity to credit bureaus?
Yes, Greater Springfield Credit Union Visa Classic reports to the following credit bureaus:
- 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 build your credit.
Does Greater Springfield Credit Union perform a hard credit pull?
Yes, Greater Springfield Credit Union Visa Classic performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Greater Springfield Credit Union Visa Classic
- Visit the website of Greater Springfield Credit Union Visa Classic.
- 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.
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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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 6:00PM
Saturday
Invalid DateTime - 12:00PM