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Platinum Visa® Credit Card

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

This Credit Card Gets High Marks for Low Rates

Searching for a credit card that aligns with your budget-friendly goals? The Georgia United Platinum Visa Credit Card could be your smartest financial move yet. Minimize your payments with our lowest and most competitive interest rates and watch your savings grow.

  • No Annual Fee*
  • No Balance Transfer Fee
  • 1.99% intro APR* on purchases and balance transfers for 12 months, then a variable APR of 12.24% to 22.99%.
Apply Now Rates and Fees

Unlock exclusive benefits with our low rate credit card

The Platinum Visa Credit Card offers more than just attractive rates. It also has a robust set of benefits designed to address whatever life throws your way. From unexpected life events to exclusive perks and discounts, this card could be a solution for you. 

  • Extended Warranty Protection
  • Travel Accident Insurance
  • Travel and Emergency Assistance Services
  • Cardholder Inquiry Services
  • Emergency Card Replacement and Cash Disbursement
  • Lost/Stolen Card Reporting
  • Roadside Dispatch®
  • Zero Liability for Fraudulent Purchases
  • Exclusive Cardholder Discounts

Certain terms, conditions and exclusions apply. Please refer to the  Visa Guide to Benefits for further details. 

 

WAYS TO APPLY FOR THE PLATINUM CREDIT CARD

Fast and Convenient Banking

Designed for a mobile world

  • Spend Your Way: Add your cards to your digital wallet like Apple Pay or Google Pay for a quick, touch-free way to pay.
  • Travel With Ease: Shop anywhere Visa is accepted, online or in-stores. 
  • Securely Shop: Monitor your card activity through account alerts or freeze your card to prevent unwanted purchases and more in Online Banking.
  • Transfer your balance: Move your high rate credit card balances from other cards to your Georgia United Visa® Credit Card easily online.
“
Georgia United has all options available, like loans, insurances, home equity lines and so on with the best rates or monthly payments. Most importantly is the easy processes to complete your business case with a friendly and respectful staff.
- Zuhair R.
“
Dealing with Georgia United has been a wonderful experience for me. Car loans, credit card, regular loans they really came through when I needed them - no hassles or stress. I truly feel like a valued customer.
- Elonda G.
“
Great service, knowledgeable and professional staff, good rates compared to traditional banks.
- Elizabeth B.
“
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.
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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.

Frequently Asked Questions

If you have a Georgia United Cash Back Visa Signature® Card or Platinum Visa® Credit Card and need quick access to cash, you can request a cash advance at any of our branch locations or in Online Banking. To request a cash advance through Online Banking, you will follow the same steps you use for making a transfer. Navigate to the 'Transfer' menu, choose your credit card from the 'From' dropdown list, and then select the account into which you wish to transfer the funds. Please note, a fee of 2.00% applies to each cash advance over $2.00. Please see our Credit Card Terms & Conditions for more information. 

You can activate your card by calling 866.677.7156.

You can dispute a transaction in Online Banking anytime following these simple steps. Disputes can also be filed at a branch or by calling 888.493.4328.

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 on the main menu click 'Services' then select '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, select your delivery preference (email, text or push notification) and toggle the alert on. There are several different alert types you can set up:

  • General alerts
  • Share alerts
  • Loan alerts
  • Security alerts
For cards, the most common alert type is to get notified when a transaction posts. This can be done by setting up a Share 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.

If your card is worn and needs to be replaced before expiration, you can order the same card in Online Banking by following these steps: 

  • Login to Online Banking
  • Click 'Services' in the navigation menu
  • Select 'Manage Cards'
  • Select the card you would like to replace
  • Then choose 'Request Replacement Card'

Please note, replacement cards are issued with the same card number so this option is not recommended for lost/stolen cards.

If your card is lost/stolen or you suspect fraud, you can quickly freeze your card in Online Banking. To order a new card with a new card number, we'll be happy to assist you. Please call our Member Care Center at 888.493.4328 or stop by a branch location.
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 online:
  • Log in to Online Banking or the Georgia United Mobile App
  • Click 'Services' in the navigation menu
  • Select 'Manage Cards'
  • Select the card you would like to freeze and choose 'Freeze Card'

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

*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 the introductory period, your APR on purchases and balance transfers will be a variable rate and may change based on Prime Rate, as of 12/27/24, rates are 12.24% to 22.99%. 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.