| Category | Rate | Type | Cap |
|---|---|---|---|
|
Gas and EV Charging
Earn 4% cash back on combined gas and EV charging station purchases, up to $5,000 in purchases per year, then 1% thereafter.
|
4x | Cash Back | $5,000/yr |
|
Groceries, Food Delivery, and Restaurants
Earn 3% cash back on net qualified purchases at eligible grocery stores or supermarkets, food delivery, and restaurants including fast food; purchases at wholesale warehouse clubs are not eligible.
|
3x | Cash Back | No cap |
|
All Other Purchases
All other net qualified eligible purchases receive a 1% cash reward for each dollar spent.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The Member Cash Rewards Credit Card does not charge an annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
G1 Rewards / CashBack+ Program
Cardholders can earn additional cash back ranging from 1% to 20% on purchases by shopping through CashBack+ digital gift card marketplace or CashBack+ Pay browser extension, with no limit on cashback earned.
|
Lifestyle | 1%-20% additional cash back |
|
Automatic Cash Back Deposit
Cash back rewards are automatically deposited into the cardholder's Golden 1 Regular Savings account each month, with no maximum limit on total cash rewards earned.
|
Rewards | Complimentary |
|
Cash Back on All Other Purchases
Earn 1% cash back on all other net qualified eligible purchases for each dollar spent.
|
Rewards | 1% cash back |
|
Cash Back on Gas and EV Charging
Earn 4% cash back on combined gas and EV charging station purchases, up to $5,000 in purchases per year, then 1% thereafter.
|
Rewards |
4% cash back (up to $5,000/year)
Up to $5,000
|
|
Cash Back on Groceries, Food Delivery, and Restaurants
Earn 3% cash back on net qualified purchases at eligible grocery stores or supermarkets, food delivery services, and restaurants including fast food. Purchases at wholesale warehouse clubs are not eligible.
|
Rewards | 3% cash back |
|
Card Management Tools
Cardholders can manage their card 24/7 in online and mobile banking, including reviewing transactions, suspending a misplaced card, setting alerts, and establishing spend limits.
|
Security | Complimentary |
|
Chip-Enabled Card with Tap to Pay
The card is chip-enabled for greater security and supports tap-to-pay contactless functionality.
|
Security | Complimentary |
|
Zero Fraud Liability
Golden 1 provides zero fraud liability for unauthorized transactions on the card, provided they are promptly reported.
|
Security | Complimentary |
