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General Electric Credit Union

Credit Cards

Everyday card options for every day life. 

Choose an industry-leading credit card that fits your lifestyle best.

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Credit Cards Cincinnati OH

Credit Card Features: 

  • Industry-leading, low rates for purchases, balance transfers, and cash advances
  • No annual fee1
  • Free access to FICO® Scores2
  • Set up Purchase Alerts to be notified of your credit card activity
  • Enhanced rewards and bonus opportunities (on select cards) 
  • 24/7 member support for cardholder information and assistance

- Plus - 

Purchases and balance transfers made in the first 60 days will have 0% introductory APR for 12 months. After the introductory period, the APR will be 9.24% - 18.00% depending on the card you choose and your creditworthiness.3
(0%APR offer only available on select cards; see individual card pages for details.)

Visa Signature® |  Platinum  |  Gold  |  The Classic  |  Classic Secured  | Business


Visa Signature®  |  As low as 12.74%APR4Visa Signature Credit Card Cincinnati OH

A prestigious card with premium perks. 

  • Exclusive access to 24/7 Concierge services for assistance with travel, dining, and entertainment, as well as a Luxury Hotel Collection5
  • Special perks at sporting, movie, food and wine events, and discounts at travel and retail merchants
  • No foreign transaction fee6

BONUS! Earn 20,000 bonus points after spending $2,500 in the first 90-days of account opening.7 

More Details  |  Visa Signature® Card Terms & Conditions


Platinum  |  As low as 10.74%APR8Platinum Credit Card Cincinnati OH

Flexible, point-based rewards earned as you purchase. 

  • 3x at U.S. supermarkets and wholesale clubs
  • 2x at gas stations
  • 1 point for all other purchases

BONUS! Earn 10,000 bonus points after spending $1,000 in the first 90-days of account opening.9 

More Details  |  Platinum Card Terms & Conditions


Gold  |  As low as 10.74%APR10Gold Credit Card Cincinnati OH

Cash in on your spending; earn unlimited cash back: 

  • 2% at U.S. supermarkets and wholesale clubs
  • 1.5% at gas stations
  • 1% on all other purchases
  • 10% on finance charges

BONUS! Receive $100 cash back after spending $1,000 in the first 90-days of account opening.11 

More Details  |  Gold Card Terms & Conditions


The Classic  |  As low as 9.24%APR12The Classic Credit Card Cincinnati OH

Get back to the basics - back to when a credit card was just a credit card.

  • No frills
  • No rewards
  • Just a great, low rate

More Details  |  The Classic Card Terms & Conditions


Classic Secured  |  As low as 15.49%APR13Classic Secured Credit card Cincinnati OH

A secured credit card to help you build or rebuild your credit.

  • Secure your line of credit with an equal deposit of at least $300 (i.e. a $300 deposit = a $300 line of credit)
  • Reported to all three major credit bureaus

More Details  |  Classic Secured Card Terms & Conditions


Business  |  As low as 11.74%APR14Business Credit Card Cincinnati OH

A credit card built with your business' financial goals in mind.

  • Line of credit up to $100,000
  • No annual fee1
  • Earns 2x the points for all purchases
  • Multiple user cards and company cards available
  • Split business statements for easy expenditure tracking

BONUS! Earn 20,000 bonus points after spending $5,000 in the first 90-days of account opening.15 

More Details  |  Business Card Terms & Conditions

 


+Complete details and disclosures.
1Platinum, Gold, The Classic, and Business Card Fees: Regular Annual Percentage Rate (APR) applies; foreign transaction fee is 1.5% of each transaction in U.S. dollars. There is a $3 or 2% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card. Classic Secured Fees: Regular APR applies; foreign transaction fee is 1.5% of each transaction in U.S. dollars. There are no fees for balance transfers or cash advances, however, a late charge of $25.00 or the minimum payment amount (whichever is lesser) will be assessed if a minimum payment is not made within 55 days after the date of a monthly statement. Visa Signature Fees: Regular APR applies; foreign transaction fee is 0% of each transaction in U.S. dollars. There is a $3 or 2% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card.
2FICO® Scores: FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Primary GECU credit card accountholders will receive their FICO® Score 8 based on Equifax Data updated on a quarterly basis, when available.
3Introductory APR for Purchases and Balance Transfers: Offer valid for qualified borrowers only. Upon approved credit. Offer subject to change at any time. Purchases and balance transfers made in the first 60 days will have 0.00% introductory APR for 12 months. Existing GECU credit card/loan balances are not eligible for the introductory rate. After the introductory period, the APR will be 9.24% - 18.00% depending on the card you choose and your creditworthiness.
4Visa Signature Card: Your APR will be 12.74% to 18.00% APR, based on your creditworthiness. The APR may vary (increase or decrease) on a quarterly basis and is determined by adding our margin to the Prime Rate as published in The Wall Street Journal effective for the first day of January, April, July, and October of every year. For each dollar charged on a qualifying purchase in each billing period on your GECU Visa Signature card, you’ll earn CUReward points. Qualifying purchases are purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with your card and can also be found in our Visa Signature Card Terms & Conditions, Visa Signature Card Guide to Benefits, CURewards Rules & Conditions, and Visa Signature Card Reward Program Summary.
5Visa Signature Concierge: Certain limitations, exclusions, and restrictions apply. The cost of any goods or services purchased through the Visa Signature Concierge services on the cardholder's behalf are the cardholder's responsibility and will be billed directly to the cardholder's Visa Signature Card. For more information on this benefit, see the Visa Signature Guide to Benefits.
6Visa Signature Fees: Regular APR applies; foreign transaction fee is 0% of each transaction in U.S. dollars. There is a $3 or 2% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card.
7Visa Signature Card Bonus: As a new Visa Signature cardholder, you have the opportunity to earn 20,000 bonus points upon making $2,500 in purchases within the first 90 days of account opening. The bonus points will be added to your CUReward point balance and will be identified as such on your statement, e-statement, or within the Credit Card tab in Online Banking.
8Platinum Card: Your APR will be 10.74% to 16.74% APR, based on your creditworthiness. The APR may vary (increase or decrease) on a quarterly basis and is determined by adding our margin to the Prime Rate as published in The Wall Street Journal effective for the first day of January, April, July, and October of every year. For each dollar charged on a qualifying purchase in each billing period on your GECU Platinum card, you’ll earn CUReward ® points. Qualifying purchases are not purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with your card and can also be found in our Platinum Card Terms & Conditions, Platinum Card Guide to Benefits, CURewards Rules & Conditions, and Platinum Card Reward Program Summary.
9Platinum Card Bonus: As a new Platinum cardholder, you have the opportunity to earn 10,000 bonus points upon making $1,000 in purchases within the first 90 days of account opening. The bonus points will be added to your CUReward point balance and will be identified as such on your statement, e-statement, or within the Credit Card tab in Online Banking.
10Gold Card: Your APR will be 10.74% to 16.74% APR, based on your creditworthiness. The APR may vary (increase or decrease) on a quarterly basis and is determined by adding our margin to the Prime Rate as published in The Wall Street Journal effective for the first day of January, April, July, and October of every year. For each dollar charged on a qualifying purchase, and incurred finance charges in each billing period, on your GECU Visa Gold card, you’ll earn cash back. Qualifying purchases are purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include: fees, balance transfers, cash advances, or purchases of other cash equivalents. Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with your card and can also be found in our Gold Card Terms & Conditions, Gold Card Guide to Benefits, and Gold Reward Program Summary.
11Gold Card Bonus: As a new Gold cardholder, you have the opportunity to earn a $100 cash back bonus upon making $1,000 in purchases within the first 90 days after account opening. When meeting the requirement, a $100 rebate will be applied as a statement credit the cycle after meeting the requirement. 
12The Classic Card: Your APR will be 9.24% to 15.24% APR, based on your creditworthiness. The APR may vary (increase or decrease) on a quarterly basis and is determined by adding our margin to the Prime Rate as published in The Wall Street Journal effective for the first day of January, April, July, and October of every year. Full terms and details of this program will be included with your card and can also be found in our Classic Card Terms & Conditions.
13Classic Secured Credit Card: Your Annual Percentage Rate (APR) will be 15.49% to 18.00% APR, based on your creditworthiness. The APR may vary (increase or decrease) on a quarterly basis and is determined by adding our margin to the Prime Rate as published in The Wall Street Journal effective for the first day of January, April, July, and October of every year. Full terms and details of this program will be included with your card and can also be found in our Classic Secured Card Terms & Conditions.
14Business Credit Card: Your Annual Percentage Rate (APR) will be 11.74% to 18.00% APR, based on your creditworthiness. The APR may vary (increase or decrease) on a quarterly basis and is determined by adding our margin to the Prime Rate as published in The Wall Street Journal effective for the first day of January, April, July, and October of every year. For each dollar charged on a qualifying purchase in each billing period on your GECU Business card, you’ll earn CUReward ® points. Qualifying purchases are not purchases for goods and services minus returns and other credits. Qualifying purchases do NOT include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Additional terms and restrictions apply. This rewards program is offered at the discretion of GECU and may be changed from time to time with or without notification. Full terms and details of the rewards program will be included with your card and can also be found in our Business Card Terms & Conditions, Business Card Guide to Benefits, CURewards Rules & Conditions, and Business Card Reward Program Summary.
15Business Card Bonus: As a new Business cardholder, you have the opportunity to earn 20,000 bonus points upon making $5,000 in purchases within the first 90 days of account opening. The bonus points will be added to your CUReward point balance and will be identified as such on your statement, e-statement, or within the Credit Card tab in Online Banking.

 


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