Credit cards
Credit cards capped at 18%
Most major bank cards run up to 36% APR. Federal credit unions cap at 18% by law. Same rewards, half the rate.
Why our cards beat the big banks
18%
Our maximum APR
Federal credit union cap
30.99%+
Big bank max APR
Common 2026
$0
Annual fee on most cards
$0
Foreign transaction fees
Card lineup
Three cards
Greater Cash Visa
1.5% cash back on everything. 12.99–17.99% APR. $0 annual fee. No foreign transaction fees. Ideal as your everyday rewards card.
Greater Travel Visa Signature
2x miles on travel + dining; 1x on everything else. 13.99–17.99% APR. $0 annual fee. Includes Visa Signature concierge + travel insurance.
Greater Rebuild Secured Visa
$300–$5,000 deposit becomes your credit limit. Reports to all 3 bureaus. Graduates to unsecured Greater Cash at 12 months of on-time payments. Built for credit rebuilding.
On every card
Standard with all Greater Trust Visas
Capped 18% APR
Federal credit union law caps APR at 18%. Even our highest-tier card. Big bank cards routinely run 30%+.
$0 annual fee
On every card we issue. Not just an intro period — permanently $0.
$0 foreign transaction fees
Use the card abroad without the 3% surcharge most banks add.
Card controls in the app
Lock/unlock instantly. Set per-merchant or per-category limits. Get instant transaction alerts.
Apple Pay + Google Pay
Add to wallet at activation. Tap-to-pay anywhere contactless is accepted.
Fraud protection
Zero liability. 24/7 fraud monitoring. Most fraud refunded same-day.
Card questions
What members ask
- Federal credit unions are legally capped at 18% APR on credit cards by the Federal Credit Union Act. Banks have no such cap, which is why their cards regularly run 25–35%+ APR.