Credit cards
Looking for a credit card with an unbeatable low rate? A card that rewards you? Or both? Choose a GECU Visa® credit card that matches your style.
Every card is packed
with perks
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Industry-leading rates with no annual fee1
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Introductory offer and bonus opportunities
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Contactless payments with Apple Pay®, Google Pay®, and Samsung PayTM
Widget: Products
The Classic5
Get back to the basics - back to when a credit card was just a credit card.
Classic Secured6
A secured credit card to help you build or rebuild your credit.
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Visa Signature®2
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Platinum3
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Gold4
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The Classic5
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Classic Secured6
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|---|---|---|---|---|---|
| Perfect for you if: | You want to earn 2x the points on every purchase and love exclusive rewards. |
You love earning points just for buying groceries and filling up your gas tank. |
You love getting automatic cash back. |
You believe the greatest reward is a great low rate. |
You want to build or rebuild your credit. |
| Rates as low as | 15.49% APR |
13.49% APR |
13.49% APR |
11.99% APR |
18.00% APR |
| Earns unlimited points or cash back | 2x the points on every purchase |
3x the points at U.S. supermarkets and wholesale clubs |
2% at U.S. supermarkets and wholesale clubs |
No |
No |
| Bonus point or cash back offer | Earn 20,000 bonus points after spending $2,500 in the first 90-days of account opening.2 |
Earn 10,000 bonus points after spending $1,000 in the first 90-days of account opening.3 |
Receive $100 cash back after spending $1,000 in the first 90-days of account opening.4 |
No |
No |
| Introductory offer7 | Yes | Yes | Yes | Yes | No |
| Annual fee1 | No | No | No | No | No |
| Contactless payments with Apple Pay®, Google Pay®, and Samsung Pay™ | Yes | Yes | Yes | Yes | Yes |
| Access to your FICO® Score for free | Yes | Yes | Yes | Yes | Yes |
| Free access to card management tools in Online Banking and our mobile app8 | Yes | Yes | Yes | Yes | Yes |
| Zero Liability9 | Yes | Yes | Yes | Yes | Yes |
| ID Navigator powered by NortonLifeLock | Yes | Yes | Yes | Yes | Yes |
| No foreign transaction fee1 | Yes | No | No | No | No |
| Visa Signature® Concierge10 | Yes | No | No | No | No |
Account Features |
Visa Signature®2
|
|---|---|
| Perfect for you if: | You want to earn 2x the points on every purchase and love exclusive rewards. |
| Rates as low as | 15.49% APR |
| Earns unlimited points or cash back | 2x the points on every purchase |
| Bonus point or cash back offer | Earn 20,000 bonus points after spending $2,500 in the first 90-days of account opening.2 |
| Introductory offer | Yes |
| Annual fee | No |
| Contactless payments with Apple Pay, Google Pay, and Samsung Pay | Yes |
| Access to your FICO Score for free | Yes |
| Free access to card management tools in Online Banking and our mobile app | Yes |
| Zero Liability | Yes |
| ID Navigator powered by NortonLifeLock | Yes |
| No foreign transaction fee | Yes |
| Visa Signature Concierge | Yes |
Account Features |
Platinum3
|
|---|---|
| Perfect for you if: | You love earning points just for buying groceries and filling up your gas tank. |
| Rates as low as | 13.49% APR |
| Earns unlimited points or cash back | 3x the points at U.S. supermarkets and wholesale clubs |
| Bonus point or cash back offer | Earn 10,000 bonus points after spending $1,000 in the first 90-days of account opening.3 |
| Introductory offer | Yes |
| Annual fee | No |
| Contactless payments with Apple Pay, Google Pay, and Samsung Pay | Yes |
| Access to your FICO Score for free | Yes |
| Free access to card management tools in Online Banking and our mobile app | Yes |
| Zero Liability | Yes |
| ID Navigator powered by NortonLifeLock | Yes |
| No foreign transaction fee | No |
| Visa Signature Concierge | No |
Account Features |
Gold4
|
|---|---|
| Perfect for you if: | You love getting automatic cash back. |
| Rates as low as | 13.49% APR |
| Earns unlimited points or cash back | 2% at U.S. supermarkets and wholesale clubs |
| Bonus point or cash back offer | Receive $100 cash back after spending $1,000 in the first 90-days of account opening.4 |
| Introductory offer | Yes |
| Annual fee | No |
| Contactless payments with Apple Pay, Google Pay, and Samsung Pay | Yes |
| Access to your FICO Score for free | Yes |
| Free access to card management tools in Online Banking and our mobile app | Yes |
| Zero Liability | Yes |
| ID Navigator powered by NortonLifeLock | Yes |
| No foreign transaction fee | No |
| Visa Signature Concierge | No |
Account Features |
The Classic5
|
|---|---|
| Perfect for you if: | You believe the greatest reward is a great low rate. |
| Rates as low as | 11.99% APR |
| Earns unlimited points or cash back | No |
| Bonus point or cash back offer | No |
| Introductory offer | Yes |
| Annual fee | No |
| Contactless payments with Apple Pay, Google Pay, and Samsung Pay | Yes |
| Access to your FICO Score for free | Yes |
| Free access to card management tools in Online Banking and our mobile app | Yes |
| Zero Liability | Yes |
| ID Navigator powered by NortonLifeLock | Yes |
| No foreign transaction fee | No |
| Visa Signature Concierge | No |
Account Features |
Classic Secured6
|
|---|---|
| Perfect for you if: | You want to build or rebuild your credit. |
| Rates as low as | 18.00% APR |
| Earns unlimited points or cash back | No |
| Bonus point or cash back offer | No |
| Introductory offer | No |
| Annual fee | No |
| Contactless payments with Apple Pay, Google Pay, and Samsung Pay | Yes |
| Access to your FICO Score for free | Yes |
| Free access to card management tools in Online Banking and our mobile app | Yes |
| Zero Liability | Yes |
| ID Navigator powered by NortonLifeLock | Yes |
| No foreign transaction fee | No |
| Visa Signature Concierge | No |
Access your FICO® Score, for free
Monitor your FICO® Score through Online Banking and our mobile app, updated quarterly.
General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.
Helpful Resources
Money Minutes Blog
Credit bureaus look at several factors when determining your score. This includes how long you’ve had credit, your payment history, and your credit utilization rate (which measures how much of your available credit is currently in use), among other things.
In May, inflation hit a 40-year high.1 The accompanying price hikes on goods and services resulted in more Americans relying on credit cards for everyday life.
GECU Voices brings you guidance and insight from experts within the Credit Union. Today’s video stars Neil Peterson, our Chief Credit Officer.