REWARD YOURSELF WITH CASH BACK ON EVERYDAY PURCHASES
Our no annual fee1 Member Cash Rewards+ credit card rewards hard working Californians for purchases they make every day.
Great Rates, Low Fees
- $0 Annual Fee1
- $0 Balance Transfer Fee1
- Competitive APR
- Credit limits start at $5,000
If your card application is approved for a limit lower than $5,000, you may be offered the Member Cash Rewards credit card.
Rewards with Automatic Redemption
Cash back2 on every purchase:
- 4% on gas and electric vehicle (EV) charging stations3
- 3% on restaurants and food delivery
- 3% on groceries
- 1% on everything else
Cash back earnings are automatically deposited to your Golden 1 savings account.
Benefits that Fit Your Lifestyle
As a Members Cash Rewards+ user, you’ll have access to lifestyle benefits including:
- Visa Concierge
- Roadside Dispatch
- Travel and Emergency Services
- Troon Golf Benefits
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.
2You 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/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 rewards. All other net qualified eligible purchases will receive a 1% cash reward for each $1 spent.
34% cash back rewards on net gas and EV charging station purchases combined are limited to up to $5,000 in net purchases annually, 1% thereafter.
4Golden 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.
All third-party companies, products and service names used are for identification purposes only. All service marks, trademarks and registered trademarks are the property of their respective owners.
