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Golden 1 Platinum Rewards Visa® Card

Golden 1 Platinum Rewards Visa® Card

Low APR Cash Back Rewards

Golden 1 Platinum Rewards Visa® Card
  • Regular Purchase APR 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed 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: 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 7.79% to 13.79%, based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.79% to 13.79%, 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 1.4% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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At a Glance

The Golden 1 Platinum Rewards Visa® Card from Golden 1 Credit Union is a no-frills rewards card with an enticingly low purchase APR and no annual fees. For those who are in the market for a credit card that will help them save a ton of money while earning a cash back rebate on gas, grocery and dining purchases, this card will be a great fit.

Ideal for Those Who:

  • Don’t want to pay an annual fee
  • Will take advantage of an extremely low APR of 9.79%
  • Plan to use this card for all gas, grocery, and restaurant purchases to maximize cash back rewards
  • Want a card with no fee for balance transfers
  • Are a member of the Golden 1 Credit Union

Golden 1 Platinum Rewards Visa® Card Review

The Golden 1 Platinum Rewards Visa® Card has one of the lowest purchase APRs currently on the market for personal credit cards. Applicants who have established credit will stand to save beaucoup bucks with this no-frills rewards card, which offers a credit limit that stretches from $2,000 up to $30,000. With an APR as low as 9.79%, depending on your creditworthiness and the Prime Rate, this credit card is a great offering, as you’ll be able to pay down large balances without accruing an inordinate amount of interest. You’ll be hard pressed to find an APR this low that is coupled with a cash rebate on gas and groceries; most credit cards out there have a purchase APR that begins at approximately 15%.

Additionally, cardholders can earn cash rebates based on their spending. Earn 3% cash back in the form of a rebate for all gas, grocery and restaurant purchases – perfect for anyone who enjoys dining out, or with a long commute and mouths to feed. Cardholders will earn a 1% cash back rebate on all other purchases, meaning you can earn cash back whether you’re buying food for the work week, treating yourself to ice cream, or even paying your phone bill!

Golden 1 Credit Union has several Visa® co-branded credit card offers, all of which do not have an annual fee. With a competitive (and extremely low) APR, some great rewards, and a 25 day grace period on all purchases, the Capital 1 Platinum Rewards Visa® Card is perfect for anyone who is looking for a simple, easy-to-use credit card offer that will help them earn rewards while saving money and building their credit.