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Last updated on September 7th, 2021
Golden 1 Platinum Rewards Visa® Card
Low APR Cash Back Rewards
- Regular Purchase APR 7.79% to 11.79% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 7.79% to 11.79% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 7.79% to 11.79% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- 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: 7.79% to 11.79% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 7.79% to 11.79% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 7.79% to 11.79% 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
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 among the lowest in the nation (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!
Should You Apply for the Golden 1 Platinum Rewards Visa?
Golden 1 Credit Union has several Visa® 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 Golden 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.