Reap the rewards you deserve from your credit card.
1.25% cash back to be exact.
Our Earned Rewards Card gives you cash back on every purchase, all while enjoying numerous complimentary card benefits.
- 0% APR on balance transfers to the card for the first 12 billing cycles.*
- 1.25% cash back on every purchase you make.
- Rewards cash accumulated is automatically deposited into the account of your choice each quarter.
- No annual fee or cash advance fee.
- No cap or limits on the amount of cash you can earn.
- Pay your way with multiple payment options at your fingertips.
- Complimentary card benefits.
Generations Earned Rewards Card
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Earned Rewards and Earned Premium Visa Signature – Promotional Period for Introductory APR: The introductory APR for balance transfers will apply to transactions posted to your account for 12 months from account opening.
Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date: The information about the costs of the card described on this page is accurate as of February 16, 2017. This information may have changed after that date. To find out what may have changed contact Generations Federal Credit Union.
Late Payment Fee – $15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Returned Payment Fee – $20.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee – $2.00
Document Copy Fee – None
Rush Fee – $35.00 (2-day)
Rush Fee – $55.00 (Next Day)
PIN Replacement Fee – None
Card Replacement Fee – $5.00
Unreturned Card Fee – None
Pay-by-Phone Fee – $5.00
Equal Opportunity Lender. The credit union makes loans and extends credit without regard to race, color, religion, national origin, sex, handicap, or family status.
Auto Rental – Auto Rental Collision Damage Waiver eliminates the need for you to pay for the collision damage waiver or similar provision provided by commercial auto rental companies on most passenger vehicles.
Roadside Dispatch – Roadside dispatch provides Visa cardholders with 24-hour access to roadside assistance via a toll-free number.
Return Protection – Return Protection offers reimbursement to cardholders on eligible items of personal property they purchase.
Price Protection – Price Protection offers protection to cardholders on eligible items they purchase. If a cardholder makes a purchase with an enrolled Visa card, and then locates an advertisement for the identical item at a lower cost, Price Protection will refund the difference.
Purchase Security – Purchase Security will, at the benefit administrator’s discretion, replace, repair or reimburse you for eligible items of personal property purchased entirely with your eligible Visa card if they are stolen or damaged within the first ninety (90) days of purchase.
To view and download all the Visa card enhancements available to you, see our benefits and disclosures.
*Promotional balance transfer APR applies to the first 12 billing cycles following the date the credit card is opened and applies to balance transfers only. There will be a balance transfer fee implemented for each balance transfer made to the card totaling 3% of the total transfer amount or $5, whichever is greater. After the promo period ends, the standard APR will be applied to any unpaid promotional balances, which will be 13.25%-18.00% based on your creditworthiness. Offer ends 02/28/17. Rates and terms may vary based on creditworthiness; all loans subject to approval. View all credit card rates. View our Consumer Credit Card Agreement. View our Application and Solicitation Disclosure. View Terms and Conditions.