Gwinnett Federal Credit Union

Gwinnett Federal offers the Visa® Platinum plus REWARDS and Visa® Student Platinum plus REWARDS credit cards. Both have low rates, no annual fees and two great benefit programs - ScoreCard™ REWARDS and CardCentives.

Get 0% APR* for six months on all new accounts or balance transfers with Gwinnett Federal's VISA® Platinum credit card.

*APR – Annual Percentage Rate. The 0% APR applies to purchases, cash advances and balance transfers. The 0% APR is effective for the first six statement periods following the opening of your account. The APR will return to the annual percentage rate of your approved card type after the promotional period, or if you fail to make a minimum periodic payment during the promotional period within 60 days from the due date for that payment. Offer applies to new Visa credit card accounts only and may expire at any time. An active Gwinnett Federal checking account is required. A $20 application fee is charged for processing. When the card is issued, the fee will be refunded back to your account.

The Gwinnett Federal Visa® Platinum plus REWARDS Credit Card

LOW Annual Percentage Rate*
No annual fee
25-day grace period
Free balance transfers
ScoreCard™ REWARDS - you're automatically enrolled to earn one bonus point for everydollar spent in net retail purchases. Redeem the points for brand-name merchandise and travel rewards including air miles. Browse the store at: scorecardrewards.com
CardCentives Premium Level - adds many extras including identity theft victim assistance and reimbursement insurance, 90-day product protection, concierge services and more.
Visa® Benefits - auto rental collision damage waiver - secondary, emergency card replacement, emergency cash disbursement and lost/stolen card reporting
Protection - online security with Verified By Visa®
Check Credit Card Account Info online with ezcardinfo.com
Optional life and disability insurance available at low rates

*See the Fair Credit and Charge Card Disclosure below for Annual Percentage Rates. The credit union will determine card type and limit based on appliaction information and credit history.

Apply Now (or in person at any location)

The Gwinnett Federal Visa® Student Platinum plus REWARDS Credit Card

LOW 14.9% Annual Percentage Rate*
No annual fee
25-day grace period
Free balance transfers
Fee-free cash advances
ScoreCard™ REWARDS - you're automatically enrolled to earn one bonus point for everydollar spent in net retail purchases. Redeem the points for brand-name merchandise and travel rewards including air miles. Browse the store at: scorecardrewards.com
CardCentives Premium Level - adds many extras including identity theft victim assistance and reimbursement insurance, 90-day product protection, concierge services and more.
Visa® Benefits - auto rental collision damage waiver - secondary, emergency card replacement, emergency cash disbursement and lost/stolen card reporting
Protection - online security with Verified By Visa®
Check Credit Card Account Info online with ezcardinfo.com
Optional life and disability insurance available at low rates

Apply Now (or in person at any location)

Please click here to report a lost or stolen Gwinnett Federal Visa® credit card.

Gwinnett Federal Visa Credit Card Disclosure

Interest Rates and Interest Charges
	Platinum A+	Platinum A	Platinum	Student Platinum
Annual Percentage Rate (APR) for Purchases when you open your account based on your creditworthiness.	8.9%	10.9%	12.9%	14.9%
APR for Balance Transfers	8.9%	10.9%	12.9%	14.9%
APR for Cash Advances	8.9%	10.9%	12.9%	14.9%
Penalty APR	NONE	NONE	NONE	NONE
How to Avoid Paying Interest on Purchases	Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	NONE	NONE	NONE	NONE
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
	Platinum A+	Platinum A	Platinum	Student Platinum
Annual Fee	NONE	NONE	NONE	NONE
Transaction Fees
Balance Transfer	NONE	NONE	NONE	NONE
Cash Advance	NONE	NONE	NONE	NONE
Foreign Transaction	1% of the converted transaction amount	1% of the converted transaction amount	1% of the converted transaction amount	1% of the converted transaction amount
Penalty Fees
Late Payment	$25	$25	$25	$25
Over-the-Credit Limit	NONE	NONE	NONE	NONE
Returned Payment	$25	$25	$25	$25
Other Fees	$20 application fee refunded if approved.	$20 application fee refunded if approved.	$20 application fee refunded if approved.	$20 application fee refunded if approved.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).” The information about the cost of the card described above is accurate as of August 22, 2010. This information may have changed after that date. To find out what may have changed since then or to obtain a copy of the Agreement call 770-963-5679.