Credit union · NCUA insured
Guardian Credit Union Credit Card Rates
Guardian Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Guardian Credit Union’s credit card rates compare
Compared with banks and credit unions near Milwaukee, WI, where Guardian Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Guardian Credit Union
11.74%APR
Visa Platinum
Lowest rate
Governmental Employees Credit Union
8.99%APR
2nd-lowest rate
Greater Pittsburgh FCU
8.99%APR
Guardian Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Guardian Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Variable APR based on the Wall Street Journal Prime Rate (Index), plus a margin based on creditworthiness. No annual fee. Membership requires a $5.00 savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate of 0% APR for purchases and balance transfers applies to new GCU Visa Platinum cards for 6 months (183 days) from the date of first qualifying transaction. First qualified transaction must be completed within 183 days from open date. 3% balance transfer fee assessed during introductory period ($0 fee after). |
| Ongoing | 11.74% | None | Standard variable rate as low as 11.74% APR (range 11.74% to 22.00% APR) based on Wall Street Journal Prime Rate plus margin based on creditworthiness. Monthly payment is 2% of balance or $25, whichever is greater. |
Visa Platinum Rewards
Variable APR based on Wall Street Journal Prime Rate plus a margin based on creditworthiness. Earn 1 reward point per dollar spent. No annual fee. Membership requires a $5.00 savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate of 0% APR for purchases and balance transfers applies to new GCU Visa Platinum Rewards cards for 6 months (183 days) from date of first qualifying transaction. First qualified transaction must be completed within 183 days from open date. 3% balance transfer fee assessed during introductory period ($0 fee after). Earn 5,000 bonus points with $1,000 in purchases in first 90 days. |
| Ongoing | 14.50% | None | Standard variable rate as low as 14.50% APR based on Wall Street Journal Prime Rate plus a margin based on creditworthiness. Monthly payment is 2% of balance or $25, whichever is greater. |
Visa Platinum Secured
Secured by funds in a GCU savings account. Not eligible for the 0% APR introductory promotion. Variable APR based on Wall Street Journal Prime Rate plus a margin based on creditworthiness. No annual fee. Membership requires a $5.00 savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.49% | None | Standard variable rate as low as 19.49% APR based on Wall Street Journal Prime Rate plus a margin based on creditworthiness. Monthly payment is 2% of balance or $25, whichever is greater. |
Who can join Guardian Credit Union
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