Credit Cards With Real Rewards
Low rates, no gimmicks, and rewards that matter. Our Visa cards are designed to give members more.
Choose Your Card
Guardian Rewards Visa
Earn on every purchase
Variable APR
14.99%–22.99%
Annual Fee
$0
2x points on dining & travel · 1.5x everywhere else
- No annual fee
- 2x points on dining and travel purchases
- 1.5x points on all other purchases
- Redeem for travel, cash back, or merchandise
- No foreign transaction fees
- Cell phone protection up to $600
Guardian Cash Back Visa
Unlimited cash back
Variable APR
15.99%–23.99%
Annual Fee
$0
1.5% unlimited cash back on all purchases
- No annual fee
- Unlimited 1.5% cash back on every purchase
- Cash back credited monthly
- No caps or categories to track
- No foreign transaction fees
- Introductory 0% APR for 12 months on purchases
Guardian Secured Visa
Build or rebuild your credit
Variable APR
18.00%
Annual Fee
$25
Reports to all 3 major bureaus monthly
- Secured deposit: $200–$5,000
- Reports to Equifax, Experian, TransUnion
- Graduate to unsecured card after 12 months
- Online account management
- Credit score monitoring included
- $25 annual fee
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are effective as of the date shown and subject to change without notice. All accounts subject to approval. Membership required. All loan products are subject to credit approval. Rates, terms, and conditions vary based on creditworthiness and other factors. Not all applicants will qualify for the lowest rate.