Last Updated: 07/28/2025
Guardians Credit Union Exclusive Rewards
Unaffiliated
in Credit Cards from Guardians Credit Union
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
12.25% - 16.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.25% - 16.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
680 - 850
Annual Fee
$89
Guardians Credit Union Exclusive Rewards Review
This is a rewards card issued by Guardians Credit Union. If you're wondering whether Guardians Credit Union Exclusive Rewards is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 7 months.
- APRs: Guardians Credit Union Exclusive Rewards has a variable regular 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 excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Guardians Credit Union Exclusive Rewards
| The Good | The Bad |
|
|
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.
| Description |
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?
Guardians Credit Union Exclusive Rewards 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Guardians Credit Union Exclusive Rewards 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 24 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.25% - 16.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 24 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Guardians Credit Union Exclusive Rewards have an intro APR offer on new purchases?
| 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 7 months.
What are the fees for Guardians Credit Union Exclusive Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $89 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $89.
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 customer service number for Guardians Credit Union Exclusive Rewards is (561) 686-4006.
What is the support contact email for Guardians Credit Union Exclusive Rewards?
The support contact email for Guardians Credit Union Exclusive Rewards is social@guardianscu.coop.
What is the login page for Guardians Credit Union Exclusive Rewards?
You can access the login page of Guardians Credit Union Exclusive Rewards here.
How do people rate the customer service and user experience of Guardians Credit Union Exclusive Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Guardians Credit Union Exclusive Rewards report your account activity to credit bureaus?
Yes, Guardians Credit Union Exclusive Rewards 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 Guardians Credit Union perform a hard credit pull?
Yes, Guardians Credit Union Exclusive Rewards 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 Guardians Credit Union Exclusive Rewards
- Visit the website of Guardians Credit Union Exclusive Rewards.
- 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.
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