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Rates starting at:


  • Receive a $100 cashback bonus after you spend $1,000 in the first 90-days after account opening3
  • No annual fee4
  • Free access to your FICO® Score6


0% introductory APR for 12 months

on purchases and balance transfers made in the first 60-days. After that, 9.74% - 15.74% variable APR.2




Card Details |  Rewards |  Security & Additional Benefits |  Interest Rates & Disclosures

Card Details

Details apply to cards opened since July 2016.

0% Introductory APR 

Take advantage of 0% introductory APR for the first 12 months on purchases and balance transfers made in the first 60-days after account opening. After the introductory period, the APR will adjust to 9.74% - 15.74% for purchases and balance transfers, based on your creditworthiness.2

Cashback Reward 

Earn $100 cash back if you spend $1,000 in the first 90 days after account opening.3

No Annual Fee

Enjoy the all benefits of a Gold card with no annual fee!4

Free Online Banking

Access your GECU card information through Online Banking. Pay your credit card bill, receive free e-Statements, monitor transactions, and more.5

Free Access to Your FICO® Scores

The FICO® Score we provide is the FICO® Score 8 based on Equifax data. You'll be able to view your score through the Credit Card section in Online Banking any time; however, it will only be retrieved from Equifax and updated quarterly.6 Learn more and review the FICO® Score FAQs >>



Earn Unlimited Cash Back

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

On a monthly basis, earnings will be automatically applied to your card account balance, reducing the amount you owe.

Maximize your Gold card rewards by monitoring the Merchant Category Codes assigned to the merchants you frequent. Use the Supplier Locator Tool or read our Hot Topic article Maximize Your Credit Card Rewards: Merchant Category Codes to learn more.


Security & Additional Benefits

EMV Chip Technology

Enjoy enhanced security and global acceptance when you use your credit card at merchants that use chip-enabled terminals to accept your payment..

Zero Liability

At GECU, you won't be held responsible for unauthorized charges you did not authorize, online or otherwise.7

Visa® Purchase Alerts

Sign-up for real-time alerts for: individual transaction amount thresholds, international transactions, or card absent transactions, such as by telephone or online orders. Learn more and enroll your card(s) >>

Auto Rental Collision Waiver

Excellent coverage and peace-of-mind for damage due to collision or theft of most rental cars.

Warranty Manager Service

Double the manufacturer's warranty coverage on items purchased with a covered Visa Signature card (for eligible warranties of three (3) years or less), plus easy warranty registration, and more.

Travel & Emergency Assistance

Help in coordinating medical, legal, and travel services while away from home.

Digital Wallet Options

GECU credit cards are enabled for use with: Apple Pay™, Android Pay™, Samsung Pay™, MasterPass™, and Visa® Checkout. Learn more >>



Interest Rates & Disclosures

Card APR
Gold As low as 9.74%


+Gold Card Details & Disclosures.
1Gold Card: Your Annual Percentage Rate (APR) will be 9.74% to 15.74% 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.
2Introductory APR for Purchases and Balance Transfers: Offer valid for qualified borrowers only. Upon approved credit. Offer subject to change at any time. 0.00% introductory APR for the first 12 months on purchases and balance transfers made in the first 60 days, after the account is opened. Existing GECU credit card/loan balances are not eligible for the introductory rate. After the introductory period, the APR will adjust to 9.74% - 15.74% for purchases and balance transfers, based on your creditworthiness.
3Gold 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. 
4Credit Card Fees: Regular 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. 
5Online Banking: We provide Online Banking and Mobile Banking for free; however, Mobile/Internet data charges may apply, as well as text message charges for text commands and e-Alerts. Please contact your service provider for details.
6FICO® Scores: FICO is a registered trademark of the 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.
7Zero Liability: If you suspect there has been unauthorized use of your GECU credit card, promptly contact Cardholder Services at (800) 542-7093. You will not be liable for use that occurs after you notify General Electric Credit Union and/or Cardholder Services of the loss, theft, or possible unauthorized use. See any Credit Card Terms & Conditions for complete details.


PDF Disclosures

General Electric Company is not associated or affiliated with General Electric Credit Union (GECU) nor does it endorse, sponsor, or otherwise approve of the services of GECU.