in Personal Credit Cards from Guardians Credit Union
UnaffiliatedGuardians Credit Union Simply Credit Card
in Personal Credit Cards from Guardians Credit Union
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| Purchase APR (Variable APR) | 8.75% - 18% |
| Balance Transfer APR (Variable APR) | 8.75% - 18% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Guardians Credit Union Simply Credit Card Review
This is a credit card issued by Guardians Credit Union. If you're wondering whether Guardians Credit Union Simply Credit Card 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.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 14 months, which is longer than the average 0% APR period of 12 months.
- Competitive APRs. Guardians Credit Union Simply Credit Card has a variable purchase APR that ranges from 8.75% up to 18%.
- 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.
- $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 odds if your credit score is above 600.
| The Good | The Bad |
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Does Guardians Credit Union Simply Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Guardians Credit Union Simply 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 Simply 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 Simply Credit Card has a variable purchase APR that ranges from 8.75% up to 18%. The card has a variable balance transfer APR that ranges from 8.75% up to 18%. It also has a variable cash advance APR of 17.99% .
Does Guardians Credit Union Simply Credit Card 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 14 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 14 months |
| Balance Transfer APR | 8.75% - 18% |
| Balance Transfer Fee % | 0% |
Does Guardians Credit Union Simply 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 Simply Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| 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 Simply Credit Card have a foreign transaction fee?
Guardians Credit Union Simply Credit Card 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 support contact email for Guardians Credit Union Simply Credit Card?
The support contact email for Guardians Credit Union Simply Credit Card is social@guardianscu.coop.
How do people rate the customer service and user experience of Guardians Credit Union Simply Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Guardians Credit Union Simply Credit Card report your account activity to credit bureaus?
Yes, Guardians Credit Union Simply 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 Simply Credit Card
- Visit the Guardians Credit Union Simply 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 - Visit Site
- Email Support
About Guardians Credit Union Simply 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
| No Annual 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 |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $40 |
| Paper Statement Fee | $2 |
| Late Fee Amount | Up to $40 |
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