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Low Rate Credit Cards

Shop with a Georgia United Credit Card and enjoy the ease of a convenient, low rate card with straightforward benefits.

Low Rate Credit Cards That Come With Benefits

Cash Back Visa Signature® Card

If you like getting rewarded for your spending, you’ll love the Cash Back Visa Signature Card.

  • Earn 1.5% Cash Back*. Receive cash back on all of your purchases with no exclusions. We’ll automatically deposit your cash back into your savings account each month. It’s that simple.
  • No Annual Fee**
  • No Balance Transfer Fee
  • Low Introductory Rate. 1.99% intro APR** on purchases and balance transfers for 12 months, then a variable rate APR of 12.24% to 22.99%.
  • Includes Visa Signature Card Benefits
  • Credit Card Disclosure

Platinum Visa® Credit Card

Featuring our lowest rates, the Platinum Visa Credit Card is a good choice if you’re interested in keeping payments low and saving money.

  • No Annual Fee**
  • No Balance Transfer Fee
  • Low Introductory Rate. 1.99% intro APR** on purchases and balance transfers for 12 months, then a variable rate APR of 10.24% to 22.99%.
  • Credit Card Disclosure

Additional Card Features

Georgia United cardholders can also enjoy these great benefits:

  • Zero Liability for Fraudulent Purchases
  • Chip Card Technology
  • Emergency Cash Disbursement and Card Replacement
  • Roadside Dispatch®
  • Extended Warranty Protection
  • Travel and Emergency Assistance Services
  • 24-hour Lost/Stolen Card Reporting
  • Cardholder Inquiry Services
  • Exclusive Cardholder Discounts
Certain terms, conditions and exclusions apply. Please refer to the Visa Guide to Benefits for further details. 
Georgia United Credit Union values all their customers. I got help with establishing credit when I had none because I always paid with cash. They help me get a credit card and told me all the ways I could establish good credit. I now have a credit score of 760, own a home and have no debt except the mortgage.
- Dakota D.
We have been members since 1968 and have always been satisfied with the service and the different things we’ve done from buying cars to refinancing mortgages.
- Marion A.
You guys always have great rates and are very helpful when I come to the branch for any financial needs. I would recommend anyone over to you guys.
- Timothy T.
Georgia United has great interest rates for loans. I receive my pay earlier with Georgia United Credit Union than regular banks.
- Zenobia W.
I've been with Georgia United for many years and have availed myself of various opportunities (loans in particular). Regardless of who I've dealt with, I've always been extremely pleased with the service and product. Georgia United has superior rates and very very competent personnel. Why would I go elsewhere for my financial needs? The answer is, "I wouldn't."
- Linda J.
Super easy and fast. Applied for the loan and turn around was immediate.
- John O.
Professional Service! Good rates! My loan officer was given three p's! Prompt, professional, and personable.
- Jerry D.

Frequently Asked Questions

Updating all the accounts that your old card is linked to can seem overwhelming. Using CardSwap, Georgia United cardholders can update the preferred payment method for your favorite digital services in one centralized location within Online Banking.

Yes! You can pay with the tap of your phone when you add your Georgia United Visa® Card to your digital wallet like Apple Pay®, Google Pay™ and Samsung Pay®. Learn more about digital wallet.
Once you've opened your Georgia United Credit Card, transferring your balance is a breeze. Log in to Online Banking and under the 'Transfers and Payments' drop-down, select 'Credit Card Balance Transfer' to submit your request. You can also request a balance transfer by calling our Member Care Center at 888.493.4328 or by visiting a branch location

You can set up alert notifications in Online Banking. On the menu, select ‘Services‘ and click ‘Alerts’. To set up a new alert, click ‘New Alert’. There are several different alert types you can set up:

  • Account alerts – get notified when your balance goes above or below a specified amount
  • History alerts – get notified when credits or debits post to your account
  • Online transaction alerts – get notified when online activity occurs like a funds transfer
For cards, the most common alert type is to get notified when a transaction posts. This can be done by setting up a History alert. Select the transaction type (debit/credit) and transaction amount you want to be notified about. For example, if you only want to know about purchases over $100, you can specify this amount or if you want to know about every transaction, you can choose to get alerts for purchases more than $0.01.
Please contact our Member Care Center 888.493.4328 or stop by a branch location. Select cards can be instantly issued at a Georgia United branch location while others may need to be issued by mail.

 

Please contact our Member Care Center at 888.493.4328.

 

If you've misplaced your card, quickly freeze it in Online Banking any time of day, or you can contact our Member Care Center at 888.493.4328 during business hours. To freeze your card:

1. Log in to Online Banking or the Georgia United Mobile App.

2. From the navigation, select 'Cards' and click 'Manage Cards'.

3. Select your card.

4. From the drop-down, choose 'Freeze Card'.

Once your card is found, you can unfreeze it following these same steps.

 

*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically deposited into your Savings (Share) Account each month.

**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate. Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers will be a variable rate and may change based on Prime Rate, as of 09/27/22, rates are 10.24% to 22.99% for the Platinum Visa Credit Card and 12.24% to 22.99% for the Cash Back Visa Signature Card. Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred balances under this promotion. For other fees that may apply, call 888.493.4328 or see our credit card disclosure.

All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.

For more information about your Gold and/or Platinum Credit Card issued on or before November 2014, please see the below disclosures: