Credit Cards

With options for everyone, no matter your goals and needs, experience the purchasing power and convenience of a Guardian Credit Card. Whether you’re building your credit, making everyday purchases, or are focused on earning as you spend, we’ve got the credit card solution for you.

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Credit Card Options

Guardian Credit Union's Standard Credit Card

Seeking a credit card versatile enough to fit the needs of your ever-changing lifestyle?

Standard Credit Card

 

A Standard Credit Card equips you for your everyday purchases with adjustable rates that keep in sync with market conditions.

  • No monthly or annual fees
  • Variable rate that adjusts with the market
Guardian Credit Union's Reward Credit Card

Ready to turn your everyday spending into exciting rewards?

Rewards Credit Card

A Rewards Credit Card is your key to unlocking cash, travel adventures, and fantastic merchandise with every dollar you spend.

  • No monthly or annual fees
  • Fixed monthly rate - 19.95% APR*
  • Earn one reward point for every dollar spent, redeemable for cash, travel, or merchandise**
  • Easily redeem rewards in Digital Banking
Guardian Credit Union's Secure Credit Card

Looking to build – or rebuild – your credit?

Secure Credit Card

The Secure Credit Card can help you establish your credit while enjoying the peace of mind that comes with secure financial management.

  • Fixed monthly rate – 1.99% APR*
  • Monthly Participation Fee - $10 applied to the card balance
  • Make on-time monthly payments to help increase your credit score
  • Easily monitor your credit score in Digital Banking with the Credit Score Tool
  • No minimum balance required ($500 minimum encouraged) – balance placed on hold to create your credit card balance



Apply for a credit card at Guardian today!

Perks & Security

Perks

Make the most of your Credit Card and enjoy the perks that come with being a Visa cardholder. Check out full details.

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ID Navigator
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Extended Warranty
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Dovly Uplift
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Shipt
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Price Protection
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Sofar Sounds
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Porch Piracy
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Roadside Dispatch


Security

Receive these enhanced security features free with any of our three accounts. Check out full details.

 
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Credit Monitoring
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Zero Liability Policy
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24/7 Fraud Alerts
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Tap-to-Pay
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Mobile Wallet
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Card Management




















































0% APR One Time Balance Transfer

Transfer your balances to save and simplify!

Plus, continue to transfer additional balances anytime at your approved rate with no fees. 0% APR is an introductory rate for the first 6 months. Any transferred amount remaining after 6 months will accrue interest at the approved rate.









 






























*APR means Annual Percentage Rate. 0% APR valid for 6 months on transferred balances. New balances will accrue interest at the approved rate. Any remaining balance of the transferred amount will start accruing at the approved rate after the first 6 months. Valid one time per card. Balances can be transferred from external credit cards at any time at the approved rate on existing Guardian credit cards.

**Rewards points expire after 36 months. Rewards Credit Cards will earn points individually.

Not all that apply will be approved. Rates subject to change.


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Card Activation:

To activate a new card call

800-631-3197.

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PIN Update:

To set a new PIN call 

800-631-3197.

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Lost or Stolen Card:

Report a card lost/stolen from Digital Banking or call 866-820-2894.