Gold  |  As low as 10.24%APR1

Earn unlimited cash back.

No need to worry about category restrictions or quarterly sign ups that limit cash back rewards. 

Apply
Cash back rewards credit card Cincinnati

Card Details |  Rewards |  Benefits  |  Convenience  |  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 10.24% - 16.24% for purchases and balance transfers, based on your creditworthiness.2

Cash Back Reward

Earn $100 cash-back after spending $1,000 in the first 90-days of account opening.3

No Annual Fee

Enjoy all our Platinum card has to offer with no annual fee!4

Online Banking & Mobile App

Access your GECU card information through Online Banking and our mobile app. Pay your credit card bill (Online Banking only), receive free eStatements, monitor transactions, and more.5

  • New! Set up automatic payments
    Choose from: statement balance, minimum amount due, or enter an amount that works best for you. Log in to Online Bankingand select the Credit Card tab to get started. (Credit card payments are only available through Online Banking at this time.)

Free Access to Your FICO® Scores

The FICO® Score we provide is the FICO® Score 8 based on Equifax data. If you're the primary cardholder, 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.


Rewards

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 Visa's Supplier Locator Tool or read more here


Travel Protection

Auto Rental Collision Waiver

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

Travel & Emergency Assistance

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


Purchase Protection

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.

Warranty Manager Service

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

Zero Liability

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


Convenience

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).

Digital Wallet Options

GECU credit cards are enabled for use with: Apple Pay®, Google Pay™, Samsung Pay™, MasterPass™, and Visa® CheckoutLearn more.


Interest Rates & Disclosures

Card APR
Gold As low as 10.24%

 

+Gold Card Details & Disclosures.
1Gold Card: Your Annual Percentage Rate (APR) will be 10.24% to 16.24% 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. 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 10.24% - 16.24% 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 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.

 

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