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General Electric Credit Union

Gold  |  As low as 8.74%APR1

Earn unlimited cash back.

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

Cash back rewards credit card Cincinnati

Card Details |  Rewards |  Convenience  |  Benefits  |  Interest Rates & Disclosures

Card Details

Details apply to cards opened since July 2016.

0% Introductory APR 

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 adjust to 8.74% - 14.74% 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 Gold card has to offer with no annual fee!4


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


Online Banking & Mobile App
Access your credit card information through Online Banking and our mobile app. Make a payment, receive free eStatements, monitor transactions, and more.5

Account Alerts
Set up personalized email or text alerts to help you stay on top of your account.

Text Banking
Get account information quickly by text; just send a text message and receive a reply in seconds.

Free Access to Your FICO® Score
The more you know, the more informed financial decisions you can make. That's why we provide access to FICO® Scores for free within Online Banking and our mobile app.

Digital Wallet Technology
GECU credit cards are compatible with: Apple Pay®, Google Pay™, Samsung Pay™, MasterPass™, and Visa® CheckoutLearn more.

Travel Protection

Auto Rental Collision
You can receive auto coverage for damage due to collision or theft.

Baggage Delay Reimbursement
If your checked baggage is delayed or misdirected for more than four hours, you can be reimbursed for necessities you purchase.

Travel Accident Insurance
When you purchase an airline ticket with your Visa card you can receive $500,000 of accidental death and dismemberment coverage.

Roadside Dispatch
Access Roadside Dispatch®, a 24/7 pay-per-use roadside assistance program.

Travel & Emergency Assistance
Offers services designed to help you in case of an emergency while traveling. This assistance includes services such as: Medical Referral Assistance, Legal Referral Assistance, and Emergency ticket replacement.

Purchase Protection & Security

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.

ID Navigator Powered by NortonLifeLock
No one can prevent all identity theft, but you can use these tools to help act quickly if your personal data is threatened. 

Purchase Security
When you use your Visa card to make a purchase and said item is stolen or damaged within the first 90 days, you can replace, repair, or be reimbursed for the item.

Return Protection
If you used your Visa credit card to make a purchase, then become dissatisfied and the merchant will not accept your return, Return Protection can help.

Cellular Telephone Protection
Provides coverage for: damage to, theft of, or accidental parting of your cell phone. An involuntary or accidental parting is the unintended separation from your cell phone when its location is known, but recovery is impractical.

Zero Liability
At GECU, you won't be held responsible for unauthorized charges you did not authorize, online or otherwise.6

Interest Rates & Disclosures

Card APR
Gold As low as 8.74%


Gold Card Details & Disclosures

Membership is required for use of General Electric Credit Union's (GECU) products and services; visit for details.
1Gold Card: Your Annual Percentage Rate (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. 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 and 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. 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 adjust to 8.74% - 14.74% 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 $10 or 3% 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.
6Zero 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.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Google Pay™ and Google Play™ are trademarks of Google, Inc. Apple Pay™ is a trademark of Apple, Inc., registered in the U.S. and other countries. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd.  

PDF Disclosures

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