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Golden 1 Member Cash Rewards+ Visa Signature Card

BestCards Team

| Last updated on October 27th, 2023

Golden 1 Member Cash Rewards+ Visa Signature Card

Golden 1 Member Cash Rewards+ Visa Signature Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Golden 1 Member Cash Rewards+ Visa Signature Card

  • 17.04% to 23.04% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 17.04% to 23.04% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 17.04% to 23.04% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The no annual fee Golden 1 Member Cash Rewards+ Visa Signature credit card rewards hard-working Californians for purchases they make every day. The card earns up to 4% cash back on gas purchases, with no balance transfer fees and competitive rates every day.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 3% cash rebate on gas, grocery, and restaurant purchases
  • Earn 1% cash rebate on all other purchases
  • Extremely low APR for a personal credit card
  • Regular Purchase APR: 17.04% to 23.04% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17.04% to 23.04% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 17.04% to 23.04% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 2.5% of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $25
  • You're an everyday credit card user
  • You're a motivated rewards earner
  • You want the benefits of a reward card with no annual fees
Golden 1 Member Cash Rewards+ Visa Signature Card

Golden 1 Member Cash Rewards+ Visa Signature Card

Terms & Conditions

Golden 1 Member Cash Rewards+ Visa Signature Card Review

The Golden 1 Member Cash Rewards+ Visa Signature is an impressive cash back rewards card from leading California credit union, Golden 1.

Earn up to 4% Cash Back

The Member Cash Rewards+ provides impressive cash back on gas purchases, making it one of the very best no annual fee gas rewards credit cards on the market today. Cardholders earn an impressive 4% cash back on gas station purchases. That 4% back applies to the first $5,000 in net purchases annually, with cardholders earning an unlimited 1% thereafter.

Diners will also enjoy the Member Cash Rewards+ Visa Signature Card, thanks to its 3% back on restaurants and food delivery services. That 3% also applies to grocery stores, meaning you earn accelerated cash back – no matter if you are cooking or just ordering a late-night snack.

All other purchases with the card earn an unlimited 1% cash back. Cash back earnings are automatically deposited to your Golden 1 savings account, so there is no confusion with multiple redemption options, varying point value, or point expiration.

No Hidden Fees

Beyond a lucrative cash rewards program, the Golden 1 Member Cash Rewards+ Visa Signature also boasts no fees for many common charges. Cardmembers enjoy:

  • $0 annual fee
  • $0 balance transfer fee
  • $0 over-the-credit-limit fee
  • No penalty APR

One fee that Golden 1 does charge is a foreign transaction fee. Expect to pay a fee of 1% if the transaction price in US dollars should you take and use your Golden 1 Member Cash Rewards+ abroad.

Competitive APR

Credit unions typically offer interest rates significantly lower than rates for similarly marketed products from big banks. Golden 1 is no different, providing highly competitive rates for its credit card products. Cardholders can expect a competitive purchase APR of around 15%, a very enticing interest rate for a rewards credit card.

Other Card Features

Other notable features of the Golden 1 Member Cash Rewards+ Visa Signature include access to lifestyle benefits, including ID Navigator by NortonLifeLockâ„¢ access, Sonoma County Vintners benefits, and Visa Signature benefits and protections, including:

Zero Fraud Liability Cardholder Inquiry Services Emergency Card Replacement Luxury Hotel Collection Extended Warranty Coverage
Roadside Dispatch Lost/Stolen Card Reporting ID Navigator from Norton Travel & Emergency Assistance

Credit limits with the Member Cash Rewards+ card start at $5,000. If your card application is approved for a limit lower than $5,000, you may be offered the Member Cash Rewards credit card.

Should You Apply for the Golden 1 Member Cash Rewards+ Visa Signature Card?

The Member Cash Rewards+ Visa Signature from Golden 1 Credit Union combines lucrative cash rewards with a competitive, low APR. The 4% cash back on gas is impressive but is tempered by the fact that those 4% rewards are capped after $5,000 in spending each year. Other cards, like the Sam’s Club® Mastercard®, also cap gas rewards and provide an additional 1% back on eligible gas purchases. This means 5% cash back on gas (on the first $6,000 per year, then 1%)

For those that want to prioritize gas rewards, the Golden 1 Member Cash Rewards+ Visa is a great choice for those who qualify for a Golden 1 membership. If not, there are plenty of other great gas rewards options – many of which charge no annual fee and (in some cases) more impressive rewards.

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