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Premier Rate Mastercard

&

CashBack Plus Mastercard

 
   

We have you covered when it matters most

No matter which card you choose whether you are looking for a low fixed rate or a rewards based card Garden Savings members will get access to many fantastic benefits through Mastercard. Access to the benefits are as easy as picking up the phone! Here are a few:

Cellular Wireless Telephone Protection
Mastercard AirportConcierge™
Mastercard Global Emergency Services
Mastercard ID Theft Protection™
MasterRental® Collision Damage Waiver
Medical Evacuation
Priceless Cities Offers & Experiences
Price Drop Protection
Travel Accident Insurance with Baggage Delay
Travel Assistance Services
Trip Cancellation & Trip Interruption
Zero Liability

View the full Mastercard Benefits here.

 

New Member Apply Now    Existing Member Apply Now

  • Enhanced purchasing power locally, across the globe, or online
  • Competitively low, fixed rate
  • No hidden costs
  • No minimum finance charge
  • No annual fee
  • Easy account access – view balances, transaction histories, and make payments from your computer
  • Avoid finance charges when your balance is paid in full within 25 days
  • Easily replaced if lost or stolen

Business Premier Rate Credit Cards

We offer credit cards to New Jersey businesses too. Give cards to employees with pre-set spending limits for increased efficiency. Contact your local branch for more information,

Free Balance Transfers

Take advantage of your entire credit limit and low rate by transferring balances from other credit cards to your Garden Savings credit card. Enjoy the convenience of having fewer bills, lower payments, and no balance transfer fees.

Request a Balance Transfer

Free Cash Advances

Take advantage of cash advances with your card at any Garden Savings branch or any affiliated financial institution. There is NO cash advance fee from us. Interest accrues from date of advance.

Share Secured Credit Card 

We offer share secured credit cards for all members.

 

New Member Apply Now    Existing Member Apply Now

Interest Rates and Interest Charges Rates Effective 03/31/2022
Annual Percentage Rate (APR) for Purchases

See Rates page.

When you open your account based on your credit worthiness

APR for Balance Transfers Same APR as for Purchases as Listed Above
Fixed
APR for Cash Advances Same APR as for Purchases as Listed Above
Fixed
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 Visa
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 $25.00

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.

  • Enhanced purchasing power locally, across the globe, or online
  • Competitively low, variable rate
  • Earn 1 point per every $1 spent redeemable through our ScoreCard Rewards Program for gifts, travel discounts, gift cards, and cash back
  • Earn extra points during promotional periods throughout the year
  • No hidden costs
  • No minimum finance charge
  • No annual fee
  • Easy account access – view balances, transaction histories, and make payments from your compute
  • Avoid finance charges when your balance is paid in full within 25 days
  • Easily replaced if lost or stolen

Free Balance Transfers

Take advantage of your entire credit limit and low rate by transferring balances from other credit cards to your Garden Savings credit card. Enjoy the convenience of having fewer bills, lower payments, and no balance transfer fees.

Request a Balance Transfer

Free Cash Advances

Take advantage of cash advances with your card at any Garden Savings branch or any affiliated financial institution. There is NO cash advance fee from us. Interest accrues from date of advance.

Share Secured Credit Card 

We offer share secured credit cards for all members.

 

New Member Apply Now    Existing Member Apply Now

Interest Rates and Interest Charges Rates Effective 5/27/2018
Annual Percentage Rate (APR) for Purchases

See Rates page.

When you open your account based on your credit worthiness, after that your APR will vary with the market based on the Prime Rate

APR for Balance Transfers

Same APR as for Purchases as Listed Above
Variable

When you open your account based on your credit worthiness, after that your APR will vary with the market based on the Prime Rate

APR for Cash Advances

Same APR as for Purchases as Listed Above
Variable

When you open your account based on your credit worthiness, after that your APR will vary with the market based on the Prime Rate

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 Visa
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 $25.00

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.