Golden 1 Credit Union · Visa

Member First Credit Card

Secured Secured

$0 Annual Fee

See terms Purchase APR

300+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases This secured card is explicitly designed to establish or rebuild credit history and does not participate in a rewards or cash back earning program.	0x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The Member First Credit Card does not charge an annual fee for cardholders.	Financial	$0 Up to $0
Card and Money 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.	Lifestyle	Complimentary
Credit Building / Rebuilding Designed for members with no credit history or those needing to rebuild credit, providing an extension of traditional credit access for qualifying members.	Other	—
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

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction Fee1%

Balance Transfer Fee$5 or 3% of the amount of the transaction, whichever is greater

Cash Advance Fee$5 or 2.5% of the amount of each cash advance, whichever is greater

Approval & Eligibility

300 Recommended minimum FICO · Range 300–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsFair

AvailabilityGolden 1 does not currently offer new credit to those living outside of California

Issuer Rules & Restrictions

Shutdown Risk Triggers

Excessive cash advances, late or missed payments, high credit utilization, returned payments, suspected fraudulent activity

International Friendly

May have limitations for international use.

Additional Issuer Rules

Golden 1 Credit Union requires active membership, and the credit union does not currently offer new credit to applicants living outside of California, meaning out-of-state residents applying online will trigger a credit inquiry but are unlikely to be approved. There is no documented churning bonus structure for this entry-level card since it does not currently offer a sign-up bonus, and it is primarily designed for members with no credit history or those rebuilding credit.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Golden 1 Credit Union

Annual Fee

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