
Guardians Credit Union Achieve Secured Credit Card
in Personal Credit Cards from Guardians Credit Union
UnaffiliatedGuardians Credit Union Achieve Secured Credit Card
in Personal Credit Cards from Guardians Credit Union
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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
Guardians Credit Union Achieve Secured Credit Card is a secured credit card credit 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. This is everything you need to know to make a good choice.
- 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 good approval odds.
The Good | The Bad |
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Is there a Guardians Credit Union Achieve Secured Credit Card cash back or rewards program?
No, Guardians Credit Union Achieve Secured Credit Card does not offer a rewards program.
What are the Guardians Credit Union Achieve Secured Credit Card benefits?
Guardians Credit Union Achieve Secured Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Guardians Credit Union Achieve Secured Credit Card has lower than average purchase 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 introductory APR offer on balance transfers?
No, Guardians Credit Union Achieve Secured Credit Card does not come with an introductory APR offer for balance transfers.Does Guardians Credit Union Achieve Secured Credit Card have an introductory APR offer on new purchases?
Guardians Credit Union Achieve Secured Credit Card does not offer an introductory rate on new purchases.What are the fees for Guardians Credit Union Achieve Secured Credit Card?
The following fees apply to Guardians Credit Union Achieve Secured Credit Card:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
Does Guardians Credit Union Achieve Secured Credit Card have a foreign transaction fee?
Guardians Credit Union Achieve Secured Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.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.
Contact
- Headquarters
-
3469 Summit Blvd
West Palm Beach, FL 33406 - (561) 686-4006
- Visit Site
About Guardians Credit Union Achieve Secured Credit Card

Availability
- 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
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Cash Advance Fee Minimum | $5 |
Cash Advance Fee (%) | Up to 2% |
Minimum Cash Advance Fee ($) | Starting at $5 |
Returned Payment Fee | Up to $40 |
Paper Statement Fee | $2 |
Late Fee Amount | Up to $40 |
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