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  Greater Springfield Credit Union Visa Rewards

Greater Springfield Credit Union Visa Rewards

in Personal Credit Cards from Greater Springfield Credit Union

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Greater Springfield Credit Union Visa Rewards

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in Personal Credit Cards from Greater Springfield Credit Union

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Highlights
Purchase APR  (Fixed APR) 12.5% - 15%
Balance Transfer APR  (Fixed APR) 14.5% - 17%
Credit Score Range 650 - 850
Annual Fee $0

Greater Springfield Credit Union Visa Rewards Review

This is a rewards credit card issued by Greater Springfield Credit Union. If you're wondering whether Greater Springfield 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
  • 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.
  • Competitive APRs. Greater Springfield Credit Union Visa Rewards has a fixed purchase APR that ranges from 12.5% up to 15%.
  • 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 1% 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 Greater Springfield Credit Union Visa Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Greater Springfield Credit Union Visa Rewards is accepted.
  • Greater Springfield Credit Union Visa Rewards reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Greater Springfield Credit Union Visa Rewards FAQ

Does Greater Springfield Credit Union Visa Rewards have a cash back or rewards program?

Greater Springfield Credit Union Visa Rewards is a rewards card.

Greater Springfield Credit Union Visa Rewards Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Greater Springfield Credit Union Visa Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Greater Springfield Credit Union Visa Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Greater Springfield Credit Union Visa Rewards benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Greater Springfield 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 fixed purchase APR that ranges from 12.5% up to 15%. The card has a fixed balance transfer APR that ranges from 14.5% up to 17%. It also has a fixed cash advance APR that ranges from 14.5% up to 17%. 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 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.

Greater Springfield Credit Union Visa Rewards Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 14.5% - 17%
Balance Transfer Fee % 0%

Does Greater Springfield 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 Greater Springfield Credit Union Visa Rewards?

The following fees apply:

  • There is no overlimit fee
Greater Springfield Credit Union Visa Rewards Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $15
Late Payment Fee $10

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Greater Springfield Credit Union Visa Rewards have a foreign transaction fee?

Greater Springfield Credit Union Visa Rewards charges a foreign transaction fee of 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 Rewards?

The Greater Springfield Credit Union Visa Rewards customer service number is (413) 872-3161.

Does Greater Springfield Credit Union Visa Rewards report your account activity to credit bureaus?

Yes, Greater Springfield 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 Greater Springfield Credit Union Visa Rewards

  • Visit the Greater Springfield 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 - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 8:30am - 12:00pm

About Greater Springfield Credit Union Visa Rewards

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View all personal credit cards offered by Greater Springfield 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
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 1.5%
Foreign Currency Transaction Fee 1%
Returned Payment Fee $15
Late Fee Amount $10
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
Rewards Categories
  • Every Purchase
Cash Advance APR (Fixed APR) 14.5% - 17%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Fixed APR) 18%
Purchase APR (Fixed APR) 12.5% - 15%
Balance Transfer Introductory APR (Fixed APR) 0%
Balance Transfer Intro APR Period (Fixed APR) 6 months
Balance Transfer APR (Fixed APR) 14.5% - 17%
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Visa

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