Guardians Credit UnionSmart RewardsRegistry illustration · issuer artwork unavailable
Smart RewardsGuardians Credit Union · state credit union, FL · NCUA 67521
CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer
Purchase APR
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Balance transfer
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Cash advance APR
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Foreign fee
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Grace period
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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 | No annual feesGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual fees”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. Payment timing is not disclosed. Smart Rewards — You will automatically earn 1.50% cash back 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 point expiration see program documentation for details. GUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Smart Rewards — You will automatically earn 1.50% cash back 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 point expiration see program documentation for details.”GUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |