Coming Soon: New Golden 1 Credit Cards!

Choose cash rewards, low rates, and more. All cards feature no annual fees, fraud protection, and tap to pay!

It's good to have choices.

Whether you’re looking for rewards for everyday purchases, a low interest card for balance transfers, or a card to start building credit, we have an option that fits your lifestyle and goals.

The new card selections will be available in early 2022. New and current members will be invited to apply for one or more of the new cards. Just one of the many benefits of belonging with Golden 1.

All cards

Which no annual fee1 card is right for you?

Rewards for Everyday Spending

Member Cash Rewards+

Maximize your rewards on everyday purchases, including up to 4% cash back on gas purchases, plus 3% on groceries, restaurants, and food delivery with 1% on everything else.2 If you have a Platinum Rewards Card, we’ll replace it soon with a Member Cash Rewards+ card with more lifestyle and travel benefits for qualified members and more rewards! Learn more

Member Cash Rewards+

A Great Rate

Member Rate Advantage

Give yourself a great card with a great rate, so you can take control of your finances. With our lowest APR, the Member Rate Advantage card provides value on every purchase and is ideal for transferring or consolidating balances so you can pay down debt quickly.

Member Rate Advantage

Jumpstarting Your Credit

Member First

The Member First card is a great starter card option for members seeking to build credit, as well as a useful tool for members who want to rebuild their credit by creating and maintaining a positive payment history. If you have a Platinum Secured account it will become a Member First account and when your Platinum Secured card is reissued it will be replaced with the Member First card.

Member First


Contactless Payments

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

Identity Protection

Protect your identity when you enroll in ID Navigator Powered by NortonLifeLock™.

24/7 Roadside Dispatch®

Enjoy the convenience of unlimited, pay-per-use roadside assistance.

Zero Liability Fraud Protection3

You’re protected against unauthorized charges on your card. 


No Annual Fee1

No Balance Transfer Fees1

Low Rates4

1 Other 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.

2 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 restaurant 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. See "Member Cash Rewards+" Rewards Program Agreement for more details.

3 Golden 1 provides zero liability for unauthorized transactions on your card. Cardholder must notify Golden 1 promptly of any unauthorized use. Certain conditions and limitations may apply. See your Credit Card Account Agreement for additional information on unauthorized use.

4 Subject to creditworthiness.

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