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Rates

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
  • Accepted anywhere Visa is accepted, worldwide
  • Competitively low, fixed rate
  • No hidden costs
  • No minimum finance charge
  • No annual fee
  • 25-day grace period
  • Access uChoose Rewards® program 
    • Earn one point for every dollar spent using your card
    • Redeem points for travel and other valuable rewards
    • Easily track and manage your rewards activity online
  • Travel Accident Insurance
  • 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 Online Security

Visit www.visa.com/verified and register your card to be protected with ultimate security when making online purchases. 

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 Visa card at any Garden Savings branch or any financial institution displaying the Visa logo. There is NO cash advance fee from us. Interest accrues from date of advance.

Visa Purchase Alerts

This enhanced security feature enables you to receive alerts based on purchases you’ve made with your Visa. You can use the info to monitor transactions, watch for fraud, and even to make future purchase decisions. Receive alerts via text message or email.

Learn more about Visa Purchase Rewards.

Design Options

 
 

Interest Rates and Interest Charges Visa 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
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.