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General Electric Credit Union

Overwhelmed by Holiday Debt?

Zero in on a low intro rate.

Transfer your holiday credit card debt and get 0% for 12 months!1

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Transfer high interest debt to a low-rate GECU credit card in Cincinnati OH

It's more than just smart banking.

Start your year off right by transferring your non-GECU credit card balances to a low-rate credit card from General Electric Credit Union.

Plus, get 0% intro APR for 12 months!

Purchases and balance transfers made in the first 60 days after opening will have 0% introductory APR for 12 months. After the introductory period, the APR will be 7.24% - 17.74% depending on the card and your creditworthiness.1

Lower Rate. Bigger Savings.

The national average credit card rate is 17.98% APR.2 By transferring a $5,000 balance to a GECU credit card with our 0% intro APR offer, you could save up to $899 in interest in the first year.3


Start saving on interest today–choose your card to get started!

Visa Signature®4

Earn 2x the points, always.
Visa Signature Credit Card Cincinnati OH

  • As low as 10.74%
  • No foreign transaction fees
  • 24/7 Concierge Services

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

More Details

Platinum5

Earn unlimited points that never expire. 

Platinum Credit Card Cincinnati OH

  • 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.

More Details

Gold6

Unlimited cash back on every purchase.

Gold Credit Card Cincinnati OH

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

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

Apply Online

The Classic7

Our lowest rate for your everyday purchases.

The Classic Credit Card Cincinnati OH

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

More Details

 

All GECU credit cards come with these great features:

Apply Online

Once approved, send in your Balance Transfer Form

  • Mail it in to: 10485 Reading Road, Cincinnati, OH 45241
  • Drop it off at a branch near you

Already have a GECU credit card?

Take advantage of your great low rate by transferring high-interest balances from other credit cards to your GECU card. Simply fill out the Balance Transfer Form, then mail it in or drop it off at one of our branches. 

  • Mail it in to: 10485 Reading Road, Cincinnati, OH 45241
  • Drop it off at a branch near you

 

 

 

1Introductory 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 7.24% - 17.74% depending on the card you choose and your creditworthiness.
2Source: What Is the Average Credit Card Interest Rate? (wallethub.com) for national average APR of new credit card offers on 12.7.2020.
3Annual interest calculation equals the APR multiplied by balance. All calculations assume the Average Balance is not paid down.
4Visa Signature Card: Your APR will be 10.74% - 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. Regular APR applies; foreign transaction fee is 0% of each transaction in U.S. dollars. There is a $10 or 3% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card. For each dollar charged on a qualifying purchase in each billing period on your GECU Visa Signature card, you’ll earn reward 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. 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 reward point balance and will be identified as such on your statement. 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 and Conditions and Guide to Benefits.
5Platinum Card: Your APR will be 8.74% - 14.74% 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. Regular APR applies; foreign transaction fee is 1.5% of each transaction in U.S. dollars. There is a $10 or 3% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card. For each dollar charged on a qualifying purchase in each billing period on your GECU Platinum card, you’ll earn reward 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. 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 reward point balance and will be identified as such on your statement. Full terms and details of the rewards program will be included with your card and can also be found in our Platinum Card Terms and Conditions, Guide to Benefits, and Reward Program Summary.
6Gold Card: Your APR will be 8.74% - 14.74% 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. Regular APR applies; foreign transaction fee is 1.5% of each transaction in U.S. dollars. There is a $10 or 3% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card. For each dollar charged on a qualifying purchase, and incurred finance charges in each billing period, on your GECU 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. 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. 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, Guide to Benefits, and Reward Program Summary.
7The Classic Card: Your APR will be 7.24% - 13.24% 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. Regular APR applies; foreign transaction fee is 1.5% of each transaction in U.S. dollars. There is a $10 or 3% of the amount (whichever is greater) fee to transfer balances from other credit cards to a GECU credit card. Full terms and details of this program will be included with your card and can also be found in our Classic Card Terms and Conditions.

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