SuperMoney
  Guardians Credit Union Exclusive Rewards

Guardians Credit Union Exclusive Rewards

in Personal Credit Cards from Guardians Credit Union

Unaffiliated

Guardians Credit Union Exclusive Rewards

Unaffiliated

in Personal Credit Cards from Guardians Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Guardians Credit Union Exclusive Rewards to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 12.25% - 16.25%
Balance Transfer APR  (Variable APR) 12.25% - 16.25%
Credit Score Range 680 - 850
Annual Fee $89

Guardians Credit Union Exclusive Rewards Review

This is a rewards credit card issued by Guardians Credit Union. If you're wondering whether Guardians Credit Union Exclusive 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 on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 7 months.
  • Competitive APRs. Guardians Credit Union Exclusive Rewards has a variable purchase APR that ranges from 12.25% up to 16.25%.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Guardians Credit Union Exclusive Rewards
The Good The Bad
  • Automatically earn 2.00% cash back on the first $50,000 spent during calendar year, then 1.50% thereafter on qualifying net purchases. You may also redeem them for gift cards or merchandise
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 4.9%.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 7 months.
  • Access to a concierge.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Guardians Credit Union Exclusive Rewards is accepted.
  • Guardians Credit Union Exclusive Rewards reports to multiple credit bureaus.
  • Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards.
  • Requires good to excellent credit.
  • Charges an annual fee of $89
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Guardians Credit Union Exclusive Rewards FAQ

Does Guardians Credit Union Exclusive Rewards have a cash back or rewards program?

Guardians Credit Union Exclusive Rewards is a rewards card.

Guardians Credit Union Exclusive Rewards Rewards
Minimum rewards rate 1.5x
Max rewards rate 2x
Annual rewards limit N/A

Does Guardians Credit Union Exclusive Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Guardians Credit Union Exclusive Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Guardians Credit Union Exclusive Rewards benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Guardians Credit Union Exclusive 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 variable purchase APR that ranges from 12.25% up to 16.25%. The card has a variable balance transfer APR that ranges from 12.25% up to 16.25%. It also has a variable cash advance APR of 17.99% .

Does Guardians Credit Union Exclusive Rewards have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 4.9% for a period of up to 24 months.

Guardians Credit Union Exclusive Rewards Balance Transfers
Description
Balance Transfer Introductory APR 4.9%
Balance Transfer Intro APR Period 24 months
Balance Transfer APR 12.25% - 16.25%
Balance Transfer Fee % 0%

Does Guardians Credit Union Exclusive Rewards have an intro APR offer on new purchases?

Guardians Credit Union Exclusive Rewards Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 7 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 7 months.

What are the fees for Guardians Credit Union Exclusive Rewards?

The following fees apply:

Guardians Credit Union Exclusive Rewards Fees
Fees Amount
Annual Fee $89
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Guardians Credit Union Exclusive Rewards 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 Exclusive Rewards?

The Guardians Credit Union Exclusive Rewards customer service number is (561) 686-4006.

Does Guardians Credit Union Exclusive Rewards report your account activity to credit bureaus?

Yes, Guardians Credit Union Exclusive 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 Guardians Credit Union Exclusive Rewards

  • Visit the Guardians Credit Union Exclusive 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 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 Exclusive Rewards

Icon for Personal Credit Cards
View all personal credit cards offered by Guardians 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 7 months
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
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
Annual Fee $89
Returned Payment Fee Up to $40
Paper Statement Fee $2
Late Fee Amount Up to $40
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 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Concierge
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 17.99%
Balance Computation Average daily balance (excluding new purchases) (including new balance transfers and cash advances).
Purchase APR (Variable APR) 12.25% - 16.25%
Balance Transfer Introductory APR (Variable APR) 4.9%
Balance Transfer Intro APR Period (Variable APR) 24 months
Balance Transfer APR (Variable APR) 12.25% - 16.25%
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Mastercard

Be the first to rate

 

Would you recommend Guardians Credit Union Exclusive Rewards 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

Guardians Credit Union Personal Credit Cards

Loading...