Guardians Credit Union Smart Rewards Credit Card

Guardians Credit Union Smart Rewards Credit Card Review

This is a rewards card issued by Guardians Credit Union. If you're wondering whether Guardians Credit Union Smart Rewards Credit Card 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 up to 7 months.
• Competitive APRs. Guardians Credit Union Smart Rewards Credit Card has a variable purchase APR that ranges from 11.74% up to 17.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, 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.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Guardians Credit Union Smart Rewards Credit Card

The Good

The Bad

Automatically earn 1.50% cash back on qualifying net purchases. You may also redeem them for gift cards or merchandise. Potentially 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. There is then a variable purchase APR that ranges from 11.74% up to 17.74%. No annual fee. Access to a concierge. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Guardians Credit Union Smart Rewards Credit Card is accepted. Guardians Credit Union Smart Rewards Credit Card 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. Does not offer a signup bonus. Does not include many credit card benefits.

Guardians Credit Union Smart Rewards Credit Card FAQ

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

Guardians Credit Union Smart Rewards Credit Card is a rewards card.

Guardians Credit Union Smart Rewards Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Guardians Credit Union Smart Rewards 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 Smart Rewards 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 Smart Rewards Credit Card has a variable purchase APR that ranges from 11.74% up to 17.74%. The card has a variable balance transfer APR that ranges from 11.74% up to 17.74%. It also has a variable cash advance APR of 17.99% .

What are the fees for Guardians Credit Union Smart Rewards Credit Card?

The following fees apply:

Guardians Credit Union Smart Rewards 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 rewards card.

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

Yes, Guardians Credit Union Smart Rewards 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 Smart Rewards Credit Card

• Visit the Guardians Credit Union Smart Rewards 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.