Get ready to tackle your to-do list with ease! It's time to power up your routine purchases and watch the rewards pour in with our CashBack Plus card.
We have you covered when it matters most
Cellular Wireless Telephone ProtectionMastercard AirportConcierge™Mastercard Global Emergency ServicesMastercard ID Theft Protection™MasterRental® Collision Damage WaiverMedical Evacuation |
Priceless Cities Offers & ExperiencesPrice Drop ProtectionTravel Accident Insurance with Baggage DelayTravel Assistance ServicesTrip Cancellation & Trip InterruptionZero 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, 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
Learn more about ScoreCard Rewards
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.
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.
For every qualifying purchase made using your ScoreCard Rewards card, you earn 1 point per dollar spent that may be redeemed for brand-name merchandise and exciting travel!
Gift for Everyone
ScoreCard has a robust catalog of thousands of items including brand names like Apple®, Brighton Pandora, Dyson, and Sony. Online ordering is available 24/7 at ScoreCardRewards.com
Book a Dream Getaway
Redeem for air travel, cruises, hotel stays, car rentals, vacation packages and more! Book your travel online 24 hours a day, 7 days a week.
Learn More about the ScoreCard Rewards program.
| Interest Rates and Interest Charges | Rates Effective 07/01/2024 |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
2.99% introductory APR for 12 months. After that, your APR will be based on your creditworthiness. This APR will vary with the market based on The Wall Street Journal plus an index. This rate is based on creditworthiness. |
| APR for Balance Transfers |
2.99% introductory APR for 12 months. After that, your APR will be based on your creditworthiness. This APR will vary with the market based on The Wall Street Journal plus an index. This rate is based on creditworthiness. |
| APR for Cash Advances |
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 | Mastercard |
|---|---|
| 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.
