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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.

Standard Credit Card

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

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
No monthly or annual fees
variable rate that adjusts with the market
Variable rate that adjusts with the market

Rewards Credit Card

Ready to turn your everyday spending into exciting rewards?

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
No monthly or annual fees
Fixed monthly rate - 19.95% APR
Fixed monthly rate - 19.95% APR*
Earn rewards icon
Earn one reward point for every dollar spent, redeemable for cash, travel, or merchandise**
laptop icon for easily redeem rewards in digital banking
Easily redeem rewards in Digital Banking

Credit Card

Looking to build – or rebuild – your credit?

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 icon
Fixed monthly rate – 1.99% APR*
hand and money icon for Monthly Participation Fee - $10 applied to the card balance
Monthly Participation Fee - $10 applied to the card balance
icon for Make on-time monthly payments to help increase your credit score
Make on-time monthly payments to help increase your credit score
easily monitor your credit score icon
Easily monitor your credit score in Digital Banking with Savvy Money
no minimum balance required icon
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! APPLY NOW!

Credit Card Security

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

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Credit Monitoring
Zero liability policy icon
Zero Liability Policy
Credit Monitoring icon
24/7 Fraud Alerts
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Mobile wallet icon
Mobile Wallet
Card management icon
Card Management

Credit Card Perks

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

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

Transfer your balances to save and simplify!

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Plus, continue to transfer additional balances anytime at your approved rate with no fees.

For help activating a new card, real time PIN change, or to report a lost/stolen card, please call 334-244-9999 and select Option #3 for assistance from a Guardian team member.
*APR = Annual Percentage Rate. 0% APR valid for 6 months on transferred balances. New balances will accrue interest at the approved rate. The remaining balance 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 will expire after 36 months. Rewards Credit Cards will earn points individually.
Subject to credit approval. Rates subject to change.