Cash Rewards on Every Purchase

GFCU’s Earned Premium Rewards Visa® credit card combines the best features and benefits into one card that works as hard as you do. Earn the most cash back on every purchase, every time.

Your Earned Premium Reward Features
  • 1.50% cash back on every purchase
  • No annual fee or cash advance fee
  • No cap or limit on the amount of reward cash you can earn
  • Complimentary cost-saving benefits

Apply today!

Complimentary Benefits and Additional Savings

As an Earned Premium Rewards Visa card member, you’ll enjoy complimentary enhancements, including a number of money-saving and security benefits.*

Earn cash rewards and enjoy these additional benefits:
  • Auto Rental Collision Damage Waiver
  • 24-hour Roadside Dispatch Service
  • Return Protection
  • Price Protection Guarantee
  • 90-day Purchase Security

Start earning your cash rewards today by applying for an Earned Premium Rewards Visa card.

Apply today!

When Is It a Good Idea to Use Credit Cards Instead of Cash?

Credit cards often get a bad rap. While it’s true that some have interest rates higher than others and charge exorbitant fees, the problem is more likely a result of their improper use than the card itself. There are numerous benefits to them over a debit card or cash. While you may not choose to make every purchase with it, paying with a credit card instead of cash simplifies recordkeeping. A quick review of your monthly statement reveals where you’re overspending. Cardholders can use this information to create or modify a monthly budget.

Tips for New Credit Card Holders

For those starting their college career or starting a new job, keep your eye out on offers for credit cards. These life milestones are often signals to lenders that the time might be right for you to bet on board as a credit card holder. Figuring out how to manage credit cards is critical for new borrowers. Read this article to find out how you can inform yourself and choose the card that best suites you.

Credit Card Rates

Credit Card Rates

TypeAPR (as low as)*
Share Secured15.75%
Earned Rewards17.50%
Earned Premium Rewards17.50%
Line of Credit12.75%

*APR is Annual Percentage Rate. Rates are effective as of 05/01/2023. View our Application and Solicitation Disclosure for a complete list of transaction fees, penalty fees and APRs for each card type.