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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

When you’ve got to make every penny count, you will be happy to have the Georgia United Platinum Visa Credit Card in your wallet.

  • 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 7.99% to 22.99%.

View Terms And Conditions


Plus, enjoy these additional Visa Credit Card 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. 




How to freeze and report your missing card

If you've misplaced your card, freeze it in Online Banking: 

  1. Click 'Cards' in the navigation menu.
  2. Select 'Manage Cards.'
  3. Select the card you would like to freeze.
  4. From the drop-down, choose 'Freeze Card.' Once your card is found, you can unfreeze it following these same steps.

If you need help freezing your card, suspect fraud or need to order a replacement card, please contact us at 888.493.4328.

The loan officer was readily available each time I needed to make contact with her. Great experience.
- Deborah P.
Efficient and professional service. Loan applications fast and unencumbered. Customer service oriented staff.
- Mike G.
The interest rate on my credit card is great and I always get friendly professional help when I need it.
- Carlyn K.
I have referred others and they have used Georgia United for multiple loans!! The customer service representatives are so responsive and I feel as though two of them are my personal bank reps! I love Georgia United!
- Wendy B.
I have been a member for over ten years. I am able to get personal loans and vehicle loans quick and easy, the staff are always friendly and helpful. All three of my children are members as well. I would highly recommend Georgia United Credit Union.
- Jacqueline R.
Same services as any bank at a lower cost. They also try to work with the customer to improve their credit and offer them a lower interest rate credit card.
- Chiquita J.

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.


*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 04/27/20, rates are 7.99% 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.