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  Guardians Credit Union Achieve Secured Credit Card
Guardians Credit Union Achieve Secured Credit Card Unaffiliated

Guardians Credit Union Achieve Secured Credit Card

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Highlights
Purchase APR  (Fixed APR) 15%
Balance Transfer APR  (Fixed APR) 15%
Credit Score Range 500 - 850
Annual Fee $0

Guardians Credit Union Achieve Secured Credit Card Review

This is a secured credit card card issued by Guardians Credit Union. If you're wondering whether Guardians Credit Union Achieve Secured Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Guardians Credit Union Achieve Secured Credit Card has a fixed purchase APR of 15%
  • 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Guardians Credit Union Achieve Secured Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Access to a concierge.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Guardians Credit Union Achieve Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Guardians Credit Union Achieve Secured Credit Card FAQ

Does Guardians Credit Union Achieve Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Guardians Credit Union Achieve Secured Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Guardians Credit Union Achieve Secured 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.

Guardians Credit Union Achieve Secured Credit Card has a fixed purchase APR of 15%. The card has a fixed balance transfer APR of 15% . It also has a fixed cash advance APR of 17.99% .

Does Guardians Credit Union Achieve Secured Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Guardians Credit Union Achieve Secured Credit Card 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 Guardians Credit Union Achieve Secured Credit Card?

The following fees apply:

Guardians Credit Union Achieve Secured Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

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

Does Guardians Credit Union Achieve Secured Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Guardians Credit Union Achieve Secured Credit Card?

The Guardians Credit Union Achieve Secured Credit Card customer service number is (561) 686-4006.

What is the support contact email for Guardians Credit Union Achieve Secured Credit Card?

The support contact email for Guardians Credit Union Achieve Secured Credit Card is social@guardianscu.coop.

What is the Guardians Credit Union Achieve Secured Credit Card login page?

You can access the Guardians Credit Union Achieve Secured Credit Card login page here.

How do people rate the customer service and user experience of Guardians Credit Union Achieve Secured Credit Card?

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

Does Guardians Credit Union Achieve Secured Credit Card report your account activity to credit bureaus?

Yes, Guardians Credit Union Achieve Secured 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 Guardians Credit Union Achieve Secured Credit Card

  • Visit the Guardians Credit Union Achieve Secured 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 10:00am - 5:00pm
  • Tuesday 10:00am - 5:00pm
  • Wednesday 10:00am - 5:00pm
  • Thursday 10:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

About Guardians Credit Union Achieve Secured Credit Card

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View all credit cards offered by Guardians Credit Union

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

Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Paper Statement Fee $2
Late Fee Amount Up to $40
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 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Concierge
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 17.99%
APR Type Fixed APR
Balance Computation Average daily balance (excluding new purchases) (including new balance transfers and cash advances).
Purchase APR (Fixed APR) 15%
Balance Transfer APR (Fixed APR) 15%
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Mastercard

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Guardians Credit Union Credit Cards

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