Golden 1 Credit Union · Visa

Member Rate Advantage Credit Card

Balance Transfer Standard

$0 Annual Fee

See terms Purchase APR

670+ Recommended FICO

Rewards

Category	Rate	Type	Cap
All Other Purchases This card focuses on providing a lower ongoing interest rate for balance management and carrying balances, and does not earn rewards or cash back on everyday spending.	0x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Higher Potential Credit Limits The Member Rate Advantage card offers higher potential credit limits compared to other Golden 1 credit card products.	Financial	—
Low Interest Rates This card features Golden 1's lowest available interest rates, designed for members who want to minimize interest costs or consolidate higher-interest debt.	Financial	Lowest available rates
No Annual Fee The Member Rate Advantage 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, providing added convenience and streamlined financial tasks.	Lifestyle	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

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

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

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 card since it does not currently offer a sign-up bonus, so issuer rules focus on membership eligibility and California residency.

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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