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Golden 1 Member First Visa® Card
Establish Credit While Earning Dividends
- Regular Purchase APR 17.54% variable based on the Prime Rate
- Balance Transfer APR 17.54% variable based on the Prime Rate
- Cash Advance APR 17.54% variable based on the Prime Rate
- Annual Fee None
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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.Poor , No Credit Required
- Processing Network Visa
- No annual fee
- Funds used for deposit will earn dividends
- Credit limit: $250 to $3,000
- Low APR
- Regular Purchase APR: 17.54% variable based on the Prime Rate
- Balance Transfer APR: 17.54% variable based on the Prime Rate
- Cash Advance APR: 17.54% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 2.5% of the amount 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
- Minimum Deposit Required: $250
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Golden 1 Member Rate Advantage Visa® Card
Enjoy Golden 1’s Lowest Rate
- Regular Purchase APR 11.54% to 15.54% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 11.54% to 15.54% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 11.54% to 15.54% 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.Poor , No Credit Required
- Processing Network Visa
- No annual fee
- Our Lowest Rates
- No Balance Transfer Fees
- Regular Purchase APR: 11.54% to 15.54% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 11.54% to 15.54% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 11.54% to 15.54% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Golden 1 Member Cash Rewards+ Visa Signature Card
Low APR Cash Back Rewards
- Regular Purchase APR 15.54% to 19.54% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.54% to 19.54% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 15.54% to 19.54% 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
- 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: 15.54% to 19.54% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.54% to 19.54% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.54% to 19.54% 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
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!You’ve viewed 10 of 3 credit cards
Who Can Join Golden 1 Credit Union?
Membership is less restrictive than many other credit unions. The following individuals are eligible for membership with Golden 1:
- All California residents
- Anyone who works in California
- Non-resident membership is open to the family of current Golden 1 members
- Members of over 1,000 Select Employee Groups
Becoming a member of Golden 1 requires opening a savings account. Even funding a Golden 1 savings account with just $1 is enough to become a member.
Frequently Asked Questions About Golden 1
- Credit unions are not FDIC insured. Instead, credit unions are insured through the National Credit Union Administration (NCUA). The NCUA provides up to $250,000 in insurance for member’s accounts. This means that credit unions, while not FDIC insured, are just as safe an option for banking.
- Yes. Currently, the credit union only has branches in California. The bank does offer membership to eligible non-California residents, but they only have access to mobile and online banking features, and CO-OP ATMs nationwide.
- Yes. Golden 1 offers excellent credit cards for all credit scores. The Golden 1 Platinum Secured Visa® Card is a quality secured card for building credit. Its interest rates are competitive, and no annual fee is an excellent way to establish a credit history.
More Information
For more information on credit unions, visit the dedicated Credit Unions Credit Cards listing page. This page provides easy access to credit card reviews from leading banks across the country.
The page also offers more information about the value credit unions offer. These perks include some of the lowest interest rates you’ll pay nationwide, rewards like gas, grocery and restaurant rewards, and travel perks.
For those interested in the Golden1 Platinum Secured Card, we also have excellent resources on managing your credit score and building your credit fast. These resources are found on the Credit Needed landing pages: particularly Bad Credit and No Credit, plus our dedicated Secured Credit Cards listings page.
Browse the Best Credit Union Cards Today
Looking for the best credit card offers from the leading credit unions in the United States? BestCards has impartial credit card reviews of the top credit unions. Find you Best Ccard today!