Golden 1 Member Cash Rewards+ Visa Signature Card

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Last updated on October 28th, 2022

Golden 1 Member Cash Rewards+ Visa Signature Card

Low APR Cash Back Rewards

Golden 1 Member Cash Rewards+ Visa Signature Card
  • Regular Purchase APR 16.04% to 20.04% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.04% to 20.04% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 16.04% to 20.04% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Excellent , Good
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 16.04% to 20.04% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.04% to 20.04% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 16.04% to 20.04% 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
Deals and Discounts
Golden 1 Member Cash Rewards+ Visa Signature Card

Golden 1 Member Cash Rewards+ Visa Signature Card

Terms & Conditions

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.

Ideal for Those Who:

  • Everyday card users
  • Motivated rewards earners
  • People who want the benefits of a reward card with no annual fees

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 NortonLifeLock™ access, Sonoma County Vintners benefits, and Visa Signature benefits and protections, including:

Zero Fraud Liability Cardholder Inquiry Services Emergency Card Replacement
Roadside Dispatch and Auto Collision Damage Waiver Lost/Stolen Card Reporting ID Navigator from Norton
Luxury Hotel Collection Travel & Emergency Assistance Extended Warranty Coverage
Visa Signature Concierge

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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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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