Guardians Credit UnionExclusive RewardsRegistry illustration · issuer artwork unavailable
Exclusive RewardsGuardians Credit Union · state credit union, FL · NCUA 67521
CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | $89, $89 annual feeGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “$89 annual fee”GUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | $0, No balance transfer feesGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No balance transfer fees”GUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Other fees | $0, No over credit limit feesGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No over credit limit fees”GUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back; up to 2% when conditions are met. Payment timing is not disclosed. Exclusive Rewards — You will automatically earn 2.00% cash back on the first $50,000 spent during calendar year, then 1.50% thereafter on qualifying net purchases (purchase less any credits, returns and adjustments). You may also redeem them for gift cards or merchandise. Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards. For points expiration see program documentation for details.GUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Exclusive Rewards — You will automatically earn 2.00% cash back on the first $50,000 spent during calendar year, then 1.50% thereafter on qualifying net purchases (purchase less any credits, returns and adjustments). You may also redeem them for gift cards or merchandise. Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards…”GUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |