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2.99% APR*



Apply Today! Offer Expires June 14th 2023


New Credit Cards


Earn Cash Back plus so much more with ScoreCard Rewards!

New CashBack Plus Credit Cards

Don't have a credit card with GSFCU yet? We've got a promotional 2.99%* introductory APR on balance transfers for six months on new CashBack Plus Credit Cards opened from April 14th - June 16th 2023. 

  • Balance Transfers at 2.99%* APR for first six months
  • Earn one point for every dollar spent
  • Redeem Points for cash back, gifts, statement credit and so much more. . .
  • Check out our ScoreCard Rewards Information. 

New Credit Cards

Interest Rates and Interest Charges
*Annual Percentage Rate (APR) for Purchases


This APR will vary with the market based on The Wall Street Journal plus an index. This rate is based your credit worthiness. See Rates page.
APR for Balance Transfers

2.99% introductory APR for 6 months.

After that, your APR will be 16%-18%. This APR will vary with the market based on The Wall Street Journal plus an index. This rate is based on your credit worthiness. See Rates page.
APR for Cash Advances


This APR will vary with the market based on The Wall Street Journal plus an index. This rate is based on your credit worthiness. See Rates page.
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board
Fees Mastercard
Annual Fee None
Transaction Fees
Balance Transfer None
Cash Advances None
Foreign Transaction None
Penalty Fees
Late Payment Up to $30.00
Over-the-Credit-Limit None 
Returned Payment Up to $30.00
Other Fees
Rush Card Fee $50.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Important Information About Procedures For Opening A New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.  The information that is being requested and observed is for compliance with the requirements of Section 326 of the USA PATRIOT Act related to implementing customer identification and verification requirements.

The information about the costs of the Card described in this application is accurate as of 02/2023. This information may change after that date. To find out what may have changed, call 888-554-9328 or write to Garden Savings Federal Credit Union at 129 Littleton Road, Parsippany, NJ, 07204.

State Law Provisions:

New York & Vermont Residents: Upon your request, we will inform you of the name and address of each credit-reporting agency from which we obtained a credit report relating to you. New York residents may request a comparative listing of credit card rates, fees, and grace periods by writing to: Public Information, New York State Banking Department, 2 Rector Street, New York, NY 10006-1894 or by calling 1-800-522-3330. California Residents: (1) You have the right to prohibit us from disclosing to marketers of goods marketing information concerning you that discloses your identity. You may exercise your right by calling us at 1-888-554-9328; (2) If you are a married applicant you may apply for credit in your own name; (3) Applicants may, after credit approval, use the credit card up to its credit limit and may be liable for amounts extended under the plan to any joint applicant; (4) As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. Maine Residents: Consumer Reports (credit reports) may be requested in connection with this application.  Upon request, you will be informed whether or not a consumer report was requested and, if it was, of the name and address of the consumer reporting agency that furnished the report. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Rhode Island: Consumer reports may be requested with this application. Wisconsin Residents: Wisconsin law provides that no agreement, court order or individual statement applying to marital property will affect a creditor's interests unless prior to the time credit is granted the creditor is furnished with a copy of the agreement, court order or statement, or has actual knowledge of the adverse provision.  To check on the status of your application, please call 1-888-554-9328.

*After promotional period all balances will return to standard terms and conditions, or rates based on credit worthiness at the time of application. Not all cardholders will qualify for this offer. 2.99% APR Introductory Rate offered for new credit card accounts opened from April 14 - June 16 for balance transfers in the first six months.


The above projection is calculated based on transferring a $10,000 balance from another bank credit card with an Variable APR of 21.44% to a Garden Savings CashBack Plus Credit Card at our starting variable APR of 16.00% and that the consumer will be making a $400 monthly payment until the balance is paid in full. This projection does not include additional purchases, balance transfer amounts, late payments or processing fees that would be added on during that period.