Member Rate Advantage

Our Lowest Rate Card!

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Looking for a convenient low-rate card you can use for purchases? The Member Rate Advantage credit card makes it easy to manage your monthly credit card usage, consolidate balances, or pay down debt.

Member Rate Advantage

13.04% - 19.04% APR*

*See Pricing and Fee Details


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Low APR and Low Fees

  • $0 Annual Fee1
  • $0 Balance Transfer Fee1
  • Consolidate balances from other loans/cards to reduce your monthly payments
  • Low rates
  • Credit limits start at $500

    Member Rate Advantage Agreement
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Card and Money Management Tools

Stay on top of your finances with tools like:

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Convenient Benefits

  • ID Navigator by NortonLifeLockTM – Provides updates that keep you informed and help you protect your personal identity and information
  • 24/7 Roadside Dispatch – Help when you need it with unlimited, pay-per-use roadside assistance
  • Mobile Wallets – Make secure and easy purchases using Apple Pay®, Google Pay, or Samsung Pay
  • Contactless Payments – Pay with ease! Simply tap your contactless credit card on eligible point of sale terminals

    Benefits Guide


  • Paying for large purchases over time
  • Paying down debt
  • Consolidating other high rate cards

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

Want to take advantage of the benefits of our Member Rate Advantage Card?

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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 Charges2 – You won’t be held responsible for unauthorized charges to your card.

Card ManagementCard Management – Manage your cards securely, anywhere, anytime, in our Mobile Banking app.

Debt Protection – Affordable insurance against financial hardship.

Bill payAutomatic Payments – Set your monthly payments to process automatically, ensuring you always pay on time.

Fraud ProtectionSecure Online Checkout – Protect your transactions with Visa’s easy, smart, and secure online checkout.

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.
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.

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.