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Earn More. Travel Freely.

Whether you're jet-setting overseas or road-tripping across the states, the Georgia United Cash Back Visa Signature® Card is designed for travelers who want more from every mile. Earn unlimited cash back on every purchase—from flights and fuel to food and fun—and enjoy travel-friendly perks that make every journey smoother:

  • Unlimited 1.5% cash back* on every purchase
  • No foreign transaction fees so you can spend freely abroad
  • Low intro APR** of 1.99% on purchases and balance transfers for 12 months, then a variable APR of 13.49% to 22.99%
  • No annual fee**—so your budget stays focused on fun, not fees
Apply Now Rates & Fees

More Travel Benefits You’ll Love

Visa Benefits - Concierge
Visa Signature® Concierge***

Enjoy complimentary assistance 24 hours a day—from home and when you travel—with the Visa Signature Concierge service.

Visa Benefits - Auto Rental Damage
Auto Rental Collision Damage Waiver

Drive with confidence. Get coverage for damage or theft when you use your card to rent a car.

Visa Benefits - Event Protection
Event Ticket Protection

Get reimbursed for unused nonrefundable event tickets if you can't attend due to sickness, injury or a covered accident.

EXPLORE ALL BENEFITS

Terms apply. See Guide to Benefits for details.


Get unlimited Cash Back Rewards

See how your everyday spending can add up to more rewards each month with unlimited 1.5% cash back on every purchase.

ExpensesMonthly CostCash Back Earnings
Groceries  $400 $6.00
Gas $125 $1.88
Utilities $350 $5.25
Monthly Expenses $3,250 $48.75

 

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 to a Georgia United Visa® Credit Card easily online.

What Our Cardholders Are Saying

“
The interest rate on my credit card is great and I always get friendly professional help when I need it.
- Carlyn K.
“
I have been a member since 1986! I love the customer service and the constant upgrades in products and services!
- Millicent B.
“
I've been a member for decades. I've always received great service, and I live almost two hours from Georgia United. All my business with this bank has been via telephone, mail or online. I've never been to the bank or a branch in person.
- Clarrisa P.
“
Online services are excellent and in person interactions and customer services are fast and efficient.
- Carmen V.
“
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.

Start Earning on Every Swipe!

Apply Now

*Purchases do not include returned items for credit, balance transfers, cash advances or 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 12/27/25, rates are 13.49% 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.

***Georgia United Cash Back Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.

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