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Guardians Credit Union
| Term | Value | Source |
|---|---|---|
| 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 | No annual feesGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | $0, No balance transfer feesGUARDIANS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| Other fees | $0, No over credit limit feesGUARDIANS · 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 | Website |