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Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

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Guardians Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual fee$89, $89 annual feeGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—
Balance transfer$0, No balance transfer feesGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Other fees$0, No over credit limit feesGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back1.50% 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, 2026Website