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Whether you’re in-store or online, making purchases is always easy and secure. On top of convenience, our credit card pays in other ways too.

Key Features

  • Competitive Rates
  • Anytime Funds
  • No Annual Fee
  • Enhanced purchasing power locally, across the globe, or online
  • Competitively low, fixed rate
  • No hidden costs
  • No minimum finance charge
  • No annual fee
  • 25-day grace period
  • Auto Rental Collision Damage Waiver
  • Roadside Dispatch
  • 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 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 Visa 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.



Interest Rates and Interest Charges Rates Effective 5/27/2018
Annual Percentage Rate (APR) for Purchases See Rates page.
APR for Balance Transfers Same APR as for Purchases as Listed Above
APR for Cash Advances Same APR as for Purchases as Listed Above
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.