What Are the Best Credit Cards Offered by Genisys Credit Union?

As an expert in credit cards, I am excited to share with you the best credit cards offered by Genisys Credit Union. Genisys Credit Union is a financial institution that offers a variety of credit cards with different features and benefits. In this article, we will discuss the top credit cards offered by Genisys Credit Union, their benefits, and how to apply for them.

Genisys Visa Platinum Credit Card

The Genisys Visa Platinum Credit Card is an excellent option for those who are looking for a low-interest rate credit card. This card offers a low-interest rate of 8.90% APR on purchases, balance transfers, and cash advances. Additionally, there are no annual fees, no balance transfer fees, and no cash advance fees. Cardholders can also enjoy benefits such as travel accident insurance, purchase protection, and extended warranty coverage.

Genisys Rewards Visa Credit Card

The Genisys Rewards Visa Credit Card is perfect for those who love to earn rewards. With this card, you can earn one point for every dollar spent on purchases. These points can be redeemed for travel, merchandise, gift cards, and more. The card also offers a 0% introductory APR on purchases and balance transfers for the first six months. After the introductory period, the APR will be between 9.90% and 18.00%. There are no annual fees, no balance transfer fees, and no cash advance fees. Cardholders can also enjoy benefits such as travel accident insurance, purchase protection, and extended warranty coverage.

Genisys Student Visa Credit Card

The Genisys Student Visa Credit Card is designed for students who are looking to establish credit. This card offers a low-interest rate of 11.90% APR on purchases, balance transfers, and cash advances. Additionally, there are no annual fees, no balance transfer fees, and no cash advance fees. Cardholders can also enjoy benefits such as travel accident insurance, purchase protection, and extended warranty coverage. This card is a great way for students to start building a strong credit history.

How to Apply for a Genisys Credit Union Credit Card

Applying for a Genisys Credit Union credit card is easy. You canapply online, by phone, or by visiting a local branch. To apply online, simply go to the Genisys Credit Union website and click on the credit card section. From there, you can choose the card you want to apply for and complete the application. The process is quick and easy, and you will receive a decision within minutes.

Tips for Using Your Credit Card Wisely

Using a credit card can be a great way to build credit and earn rewards, but it is important to use your card wisely. Here are some tips for using your credit card wisely:

1. Pay your bill on time. Late payments can damage your credit score and result in fees and interest charges.

2. Keep your balance low. It is best to keep your balance below 30% of your credit limit to avoid damaging your credit score.

3. Avoid cash advances. Cash advances often come with high fees and interest rates, so it is best to avoid them if possible.

4. Read your credit card agreement. It is important to understand the terms and conditions of your credit card to avoid surprises and fees.

Conclusion

Genisys Credit Union offers a variety of credit cards with different features and benefits. Whether you are looking for a low-interest rate card, arewards card, or a card to help you establish credit, Genisys Credit Union has a card for you. By using your credit card wisely and paying your bill on time, you can build a strong credit history and enjoy the benefits of using a credit card.