Member Cash Rewards+

Earn Up to 4% Cash Back on Every Day Purchases

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REWARD YOURSELF WITH CASH BACK ON EVERY DAY PURCHASES

Our no annual fee1 Member Cash Rewards+ credit card rewards hard working Californians for purchases they make every day.

Member Cash Rewards+

14.04% - 18.04% APR*

See Pricing and Fee Details

FEATURES AND BENEFITS


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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.

Member Cash Rewards+ Agreement

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Rewards with Automatic Redemption

Cash back2 on every purchase:

  • 4% on gas3
  • 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.

Rewards Program Agreement

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Benefits that Fit Your Lifestyle

As a Members Cash Rewards+ user, you’ll have access to lifestyle benefits including:

  • Visa Concierge
  • ID Navigator by NortonLifeLock™
  • Roadside Dispatch
  • Travel and Emergency Services
  • Silvercar Rental Car
  • Troon Golf Benefits
  • Sonoma County Vintners Benefits

Member Cash Rewards+ Benefit Guide

THIS CARD IS IDEAL FOR...


  • Everyday card users
  • Motivated rewards earners
  • People who want the benefits of a reward card with no annual fees

Looking for something different? Compare the features of our other Golden 1 credit cards.

Ready to start earning with your Member Cash Rewards+ Card?

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SECURITY AND CONVENIENCE


You can depend on Golden 1 to provide security features to protect your card, as well as convenient tools to manage your money.

ProtectionProtection against Fraudulent Charges4 – You won’t be held responsible for unauthorized charges to your card.


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


ContactlessContactless Payments – Pay with ease! Simply tap your contactless credit card on eligible point of sale terminals.


MobileMobile Wallets – Make secure and easy purchases using Apple Pay®, Google Pay, or Samsung Pay.


Credit SenseCredit Sense – Access your credit score, credit report, and more.

LOWER LIMITS. STILL GREAT REWARDS.


If your card application is approved for a limit lower than $5,000, you may be offered the Member Cash Rewards credit card with the same low rates. This card gives you the opportunity to earn cash rewards5 and to access valuable identity protection and roadside assistance benefits. Cash back on every purchase:

  • 3% on gas6

  • 3% on restaurants and food delivery

  • 3% on groceries

  • 1% on everything else

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

Member Cash Rewards

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 at eligible gas merchants. Cash rewards on gas purchases 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 purchases 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.
53% cash rebate is offered on net qualified purchases (less credits, returns, and adjustments), excluding cash advances, cash-equivalent transactions, and balance transfers, at eligible gas, grocery, and restaurant merchants. 3% cash rebate does not include purchases classified as wholesale clubs or eating establishments such as quick-service restaurants. 1% cash rebate is offered on all other net qualifying purchases (less credits, returns, and adjustments), excluding cash advances, cash-equivalent transactions, and balance transfers. Credit card accounts closed prior to their monthly closing statement date, or in default under the terms of the agreement, forfeit all unpaid rebates. To receive a rebate, the primary cardholder must maintain a Golden 1 Regular Savings Account with the required minimum balance. We reserve the right to change or discontinue this program. Please see your Credit Card Account Agreement for other terms and conditions.
63% cash back rewards on gas purchases are limited to up to $5,000 in net purchases annually, 1% thereafter.

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