Search Georgia United Credit Union's website
Search Georgia United Credit Union's website
  • Visa Credit Card Benefits

    Visa Credit Cards

Cash Back Visa Signature Card and Platinum Visa Credit Card 


Georgia United Credit Union Visa® Credit Card Benefits:
• Auto rental collision damage waiver
• Emergency cash disbursement & card replacement service
• Roadside dispatch
• Travel and emergency assistance
• 24-hour lost/stolen card reporting
• Cardholder inquiry
• Warranty manager service

Additional Cash Back Visa Signature® Card Benefits:

• Cell phone insurance
• Trip cancellation protection 
As of 11.27.19 Platinum Visa Credit Card  Cash Back Visa Signature Card 
Annual Percentage Rate for (APR) for Purchases, Balance Transfers, and Cash Advances
1.99% introductory APR** for 12 billing cycles. After that, your standard APR will be 9.49% to 22.99% for purchases based on your creditworthiness. Cash Advance APR is 11.49% to 24.99% (no intro rate) APR will vary with the market based on the Prime Rate.
1.99% introductory APR** for 12 billing cycles. After that, your standard APR will be 11.49% to 22.99% for purchases based on your creditworthiness. Cash Advance APR is 13.49% to 24.99% (no intro rate) APR will vary with the market based on the Prime Rate.
Minimum Interest Charge  None None 
Annual Fee**
None
None
Application Fee
None None 
Balance Transfer Fee
None
None
Cash Advance Fee
2% of each transaction greater than $2 2% of each transaction greater than $2
Foreign Transaction Fee
1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars that is processed outside the United States
1% of the US Dollar amount of each transaction made in a foreign currency or made in US Dollars that is processed outside the United States
Late Payment Fee Up to $25 if your payment is late 10 days or more Up to $25 if your payment is late 10 days or more 
Returned Payment Fee  Up to $25 if your payment is returned for any reason
Up to $25 if your payment is returned for any reason 
Loss of Introductory Rate  We may end your Introductory Rate and apply the standard APR** disclosed if you make a late payment  We may end your Introductory Rate and apply the standard APR** disclosed if you make a late payment
Other Fees  In addition to the fees disclosed above, the following fees may be imposed: Card Replacement Fee: $10.00 Skip-A-Pay Fee: $25.00 Expedited Card Fee: $50.00

In addition to the fees disclosed above, the following fees may be imposed: Card Replacement Fee: $10.00 Skip-A-Pay Fee: $25.00 Expedited Card Fee: $50.00

Balance Calculation Method  Average Daily Balance Including New Purchases  Average Daily Balance Including New Purchases 
Cash Back
None  1.50% of net purchases*
Minimum Credit Limit
$500  $5,000
Grace Period for Purchases
25 Days from Statement Closing Date
25 Days from Statement Closing Date
Minimum Payment
2% of Balance or $25 - Whichever is Greater
2% of Balance or $25 - Whichever is Greater  

*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 will be a variable rate and may change based on Prime Rate, as of 11/27/19, rates are 9.49% to 22.99% for the Platinum Visa Credit Card and 11.49% 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. 

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