Skip to main content

General Electric Credit Union

Visa Signature®  |  As low as 10.74%APR1

An elite card with premium perks.

Enjoy our standard card features plus other perks only available to Visa Signature® cardholders. 

Visa Signature Credit Card Cincinnati OH

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 10.74% - 16.74% for purchases and balance transfers, based on your creditworthiness.2

Bonus Reward Points

Earn 20,000 bonus points after spending $2,500 in the first 90-days of account opening.3

No Annual or Foreign Transaction Fees

Enjoy all our Visa Signature® card offers with no annual or foreign transaction fees!4

Exclusive Visa Signature® Perks

In addition to the points you'll already earn, cardholders have instant access to travel (including a Luxury Hotel Collection), entertainment, fine wine and food, sports, and shopping offers.5 To learn more, visit:

Visa Signature® Concierge

24/7 assistance with a wide range of services, including travel, entertainment, and dinner reservations.6


Earn 2x the points every time, every where

for each dollar charged on qualifying purchases during each billing period.3


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 visit the GoToMyCard tab within Online Banking or our mobile app at any time.


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.7

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.

Lost Luggage Reimbursement
When you use your Visa Signature card to purchase an airline or common carrier ticket you can be eligible to receive reimbursement for your checked or carry-on luggage and its contents in the event it is lost due to theft or misdirection by the airline.

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.

Trip Cancellation/Interruption Insurance
When you purchase a travel ticket with Visa Signature card and you must cancel or interrupt your trip, this benefit can help reimburse you for the non-refundable cost of your passenger fare.

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.

Price Protection
If an item you purchased with your credit card appears in a print advertisement at a lower price, you can be reimbursed for the difference.

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.

Extended Warranty Protection
When you use your credit card on a purchase that comes with a manufacturer’s warranty, this benefit doubles the time of said warranty, up to one additional year.

Zero Liability
At GECU, you won't be held responsible for unauthorized charges you did not authorize, online or otherwise.8

Interest Rates & Disclosures

Card APR
Visa Signature® As low as 10.74%


Visa Signature® Card Details & Disclosures. Membership is required for use of General Electric Credit Union's (GECU) products and services; visit for details.
1Signature Card: Your Annual Percentage Rate (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.
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 be 10.74% - 16.74% based on your creditworthiness.
3Reward Points: 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, eStatement, or within the GoToMyCard tab in Online Banking. 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 our without notification. Full terms and details of the rewards program will be included with your card and can also be found in our Visa Signature® Terms and Conditions, Visa Signature® Guide to Benefits, and Visa Signature® Reward Program Summary.
4Credit Card Fees: 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. 
5Visa Signature Benefits & Perks:
Certain limitations, exclusions, and restrictions apply. In order for coverage to apply you must use your covered Visa Signature Card to secure transactions. Benefits are subject to change at any time without notice. For more information on these benefits, please see the Visa Signature® Guide to Benefits.
6Visa Signature Concierge: Certain limitations, exclusions, and restrictions apply. The cost of any goods or services purchased through the Visa Signature Concierge services on the cardholder's behalf are the cardholder's responsibility and will be billed directly to the cardholder's Visa Signature card. For more information on this benefit, see the Visa Signature® Guide to Benefits.
7Online Services: We provide Online Banking and our mobile app to you for free; however, Mobile/Internet data charges may apply. Please contact your service provider for details.
8Zero 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

[Back to All Cards]

Back to Top