NEW! CREDIT CARDS

Find the card that best fits your needs. PLUS, all cards have $0 Annual Fee!

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Great For

Rewards Structure

Rate: Variable APR

Annual Fee²

Balance Transfer Fee²

Credit Limit

Cardholder Benefits

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¹You earn cash rebates on net qualified purchases (less credits, returns and adjustments) for each $1 spent. Cash rebates have no maximum limit. Balance transfers, cash advances and cash-equivalent transactions, such as purchases of money orders or gift cards, and certain other purchases/transactions do not earn rebates. We reserve the right to determine in our sole discretion whether a particular transaction is a qualified purchase.

Member Cash Rewards+ credit cards earn a 4% cash rebate on net qualified purchases from eligible gas merchants up to $5,000 annually, 1% thereafter. A 3% cash rebate is offered on net qualified purchases at eligible restaurants, including fast food restaurants, and food delivery merchants. A 3% cash rebate is offered on net qualified purchases from eligible grocery stores and supermarkets. A 1% cash rebate is offered on all other net qualified purchases. See Member Cash Rewards+ Rewards Program Agreement for more details.

Member Cash Rewards credit cards earn a 3% cash rebate on net qualified purchases from eligible online retailers processed under specific Merchant Category Codes (MCC). Merchants are assigned an MCC based on the type of products or services they primarily offer. We do not determine the MCC classifications, but we use these classifications to define our cash-back rebate categories. A 1% cash rebate is offered on all other net qualified purchases. See “Member Cash Rewards” Rewards Program Agreement for more details.

²Other fees apply. Cash advance fee is either $5 or 2.5% of the amount of each cash advance, whichever is greater. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.

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Member Cash Rewards+

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16.04% - 20.04% APR*

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Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.

Automatic Reward Redemption

ID Theft Protection
Travel & Lifestyle Benefits

$0 Annual Fee

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View your Credit Card Account Agreement, Rewards Program Agreement, and Visa Signature Benefit Guide for other terms and conditions.

Member Rate Advantage

12.04% - 16.04% APR*

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A low-rate card that empowers you to pay down balances faster or to consolidate debt from other cards.

Our Lowest Rates

No Balance Transfer Fees¹

$0 Annual Fee

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View your Credit Card Account Agreement for other terms and conditions.

Member First

18.04% APR*

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Improve or build credit for the future with a low-rate secured credit card. A secured balance lets you jumpstart your credit with confidence.

Security Funds Earn Dividends**

$0 Annual Fee

No Balance Transfer Fees¹

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**Dividends are paid on the funds held in the savings account. Please see our Credit Card Account Agreement for other terms and conditions.

All Cards Include

Contactless Payments

Simply tap your contactless credit card on eligible point of sale terminals when it's time to pay.

Mobile Wallets

Easy, secure purchases using Apple®, Google™, or Samsung™ Pay.

Card Controls

Manage your cards securely – anywhere, anytime – with the Card Controls.

$0 Liability for Fraudulent Charges

You're protected against unauthorized charges made with your card/account information, thanks to zero liability fraud protection.²

Please Note:

Golden 1 does not currently offer new credit to those living outside of California. If you live outside of California and you’re applying for a new credit card or loan, please note that submitting this online application will result in an inquiry on your credit report.

If you’re a military service member who resides in California but are temporarily out of state, Golden 1 will accept and process your application.

Applicants under 21 years of age with insufficient income to qualify without a co-applicant (including minors) must apply at a Golden 1 branch with a qualified applicant, or by phone at 1-877-GOLDEN 1 (1-877-465-3361).

To protect your personal information, your information will not be stored in any online application after 10 minutes of inactivity. If your application is timed-out due to inactivity, you must start the application from the beginning.

Thank you for considering Golden 1 Credit Union.

¹Other fees apply. Cash advance fee is either $5 or 2.5% of the amount of each cash advance, whichever is greater. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.
²Golden 1 provides zero fraud liability for unauthorized transactions on your card, when promptly reported. Certain conditions and limitations may apply. See you Credit Card Account Agreement for additional information on unauthorized use.