RateHerald

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Greenville Federal Credit Union credit card

ACCESS

$49 a year. 5,000 points after you spend $1,000 in 3 months. Purchase APR 17.99%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Greenville Federal Credit Union’s terms

Welcome offer

5,000 points

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

The Welcome Bonus points offer is not available to current or previous cardholders of this credit card. Qualifying purchases may be made by the primary and secondary cardholders. After qualifying, allow a full statement cycle for points to post. Greenville Federal Credit Union may modify or revoke the offer.

  • Smaller than about 100% of the 44 other points bonuses we track.

Who can get it: If you’ve ever had this card, you can’t get the bonus.

“2 Welcome Bonus points offer not available to either current cardholders of this credit card or previous cardholders of this credit card.”

The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$50$0
Typical spender$50$0
Heavy spender$50$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 1x Every purchase; points valued at an assumed 1¢.

$0a year

$50 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 1x Every purchase; points valued at an assumed 1¢.

$0a year

$50 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 1x Every purchase; points valued at an assumed 1¢.

$0a year

$50 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 1x Every purchase; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • Lower top APR than about 90% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 35% of the 171 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

CURewards

How you earn

1×
Every purchase

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Cash advance APR
Late payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve ever had this card, you can’t get the bonus.

Questions

What is the annual fee?
$49 · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 1%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
17.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
5,000 points after $1,000 in purchases in 3 months. · greenvillefcu.com, since Oct 2, 2026
Read the card agreement

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