*An eligible purchase (“Qualifying Transaction”) includes Point of Sale (POS) transactions that post to your account during the Sweepstakes Period. Qualifying purchases do not include credits, returns, other adjustments that are not payments, balances transfers, cash advances, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions). Direct deposits from the Golden 1 Member’s employer, payroll provider, or benefits payer in the form of an Automated Clearing House (ACH) direct deposit do not qualify. Likewise, bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash deposits do not qualify.
1 You earn cash rewards on net qualified purchases (less credits, returns and adjustments) for each $1 spent. No maximum limit on total cash rewards earned. Balance transfers, cash advances and cash-equivalent transactions, such as purchases of money orders or gift cards, and certain other purchases or transactions do not earn rewards. We reserve the right to determine in our sole discretion whether a particular transaction is a qualified purchase. A 4% cash reward is offered on net qualified gas purchases and electric vehicle (EV) charging stations at eligible merchants. Cash rewards on gas and EV charging station purchases combined are limited to up to $5,000 in purchases annually, then 1% thereafter. A 3% cash reward is offered on net qualified purchases from eligible restaurants, including fast food and food delivery. A 3% cash reward is offered on net qualified purchases from eligible grocery stores or supermarkets. Purchases made at wholesale warehouse clubs are not eligible for the 3% cash reward. All other net qualified eligible purchases will receive a 1% cash reward for each $1 spent. Balance transfer and cash advance fee is either $5 or 3% of the amount of the transaction, whichever is greater. Foreign transaction fee is up to 1% of each transaction.
2 Other fees apply. Balance transfer and cash advance fee is either $5 or 3% of the amount of the transaction, whichever is greater. Foreign transaction fee is up to 1% of each transaction.
3 Golden 1 provides zero fraud liability for unauthorized transactions on your card, when promptly reported. Certain conditions and limitations may apply. See your Credit Card Account Agreement for additional information on unauthorized use.
4 Message and data rates may apply. Check with your service provider.
