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Rates starting at:

9.74%APR1

  • Receive 10,000 bonus CUReward ® points after you spend $1,000 in the first 90-days of account opening3
  • No annual fee4
  • Free access to your FICO® Scores6
APPLY NOW

Platinum

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

APPLY NOW

 

 

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

Bonus Reward Points

Earn 10,000 bonus points 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

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 >>

 

Rewards

Earn

You'll earn CURewards® points for each dollar charged on qualifying purchases during each billing period.3

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

Maximize your Platinum 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.

Redeem

As your points add up, redeem them for: merchandise, travel, gift cards, digital rewards, payments to your GECU credit card, or deposits into your GECU checking or savings account. You can view your points each month on your statement or login to the Credit Card section in Online Banking at any time.

Earn extra points by shopping in-store or online at select local, regional, and national merchants by accessing special offers in the CURewards Mall. Learn more about CURewards >>

 

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

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.

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) >>

CURewards Rewards Statement

Receive a quarterly CURewards Rewards e-Statement with your point balance (as of the last statement cycle), reward options, and special offers.

CURewards Mobile App

Download the free CURewards app to view CURewards Mall offers based on your current location. You can also redeem your points for merchandise and view your total redeemable point balance. Learn more >> 

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
Platinum As low as 9.74%

 

+Platinum Card Details & Disclosures.
1Platinum 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.
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 be 9.74% - 15.74% depending on the card you choose and your creditworthiness.
3CURewards: 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. 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 Reward Program Summary.
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.