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Rewards Credit Card

Gecu Federal Credit Union

NationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
14.74–17.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
17.90%
620–719
17.74%
720+
14.99%
Lowest offered14.74%
Median14.99%
Highest offered17.90%

Cash advance APR

No score
—
≤619
17.90%
620–719
17.90%
720+
16.99%
Lowest offered16.74%
Median—
Highest offered17.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$25
Credit Disability$2
Credit Life$2

Late fee policy: If a payment is 10 days or more past due, a Late Payment Fee up to $25 will be charged. If the minimum payment is less than $25, the Late Payment Fee will be equal to the minimum payment.

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Debt cancellation coverage
Features
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: gift cards, merchandise

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-772-4328
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 14.99%$449.70
Annual / periodic fees$0
Total yearly cost$449.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Gecu Federal Credit Union in the 2026 Q1 archive.

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