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Cash Back Visa Signature® Card

Get rewarded for your spending with the Cash Back Visa Signature Card.

A Credit Card that pays you

Make every purchase more rewarding with the best Cash Back Visa Signature Card and earn on every dollar you spend, no matter what you buy. We'll even automatically deposit your cash back earnings into your account for effortless savings. Just swipe, earn and let us do the rest. It’s that simple.

  • Earn unlimited 1.5% cash back* on every purchase you make - no exclusions!
  • Low introductory rate of 1.99%** on purchases and balance transfers for 12 months, then a variable APR of 15.24% to 22.99%
  • Quick and easy credit card application
  • No annual fee** or balance transfer fee

Enjoy Additional Rewards

Spend with peace of mind knowing your Cash Back Visa Signature Card has you covered. With 24-hour lost/stolen card reporting, cell phone insurance and trip cancellation protection, you can be prepared for any scenario whether you're at home or away. 

  • Zero Liability for Fraudulent Purchases
  • Emergency Cash Disbursement and Card Replacement
  • Roadside Dispatch® and Travel and Emergency Assistance Services
  • Extended Warranty Protection
  • Exclusive Cardholder Discounts
Certain terms, conditions and exclusions apply. Please refer to the Visa Guide to Benefits for further details.


    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.
    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.
    I have been a satisfied member for over 10 years. All my family are members of Georgia United and I have also recommended friends to become members of Georgia United, due to ease and low interest rates for auto loans, home loans, and personal loans.
    - Jacqueline R.
    We have been going through you guys for almost 10 years and multiple loans always been a good process.
    - Matthew L.
    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.
    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

    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. 

    *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 8/27/23, rates are 15.24% 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.