Golden 1 Member First Visa® Card
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Card network
- Visa
- Regular purchase APR
- 15.04% variable based on the Prime Rate
At a glance
The Golden 1 Member First Visa® Card is a no-frills secured credit card offer from Golden 1 Credit Union. With no annual fee, no balance transfer fee, and a low APR for purchases, the secured card is ideal for anyone who wants to establish, build, or repair their credit.
Our review of the Golden 1 Member First Visa® Card
Looking to build or repair your credit? The Golden 1 Member First Visa® Card is a fantastic option to consider. With a low minimum deposit of $250, this secured credit card allows you to establish credit with regular, on-time payments. Plus, cardholders can earn dividends on their deposit and enjoy no annual fee, balance transfer fee, or over-the-credit-limit fee.
Key Features
- Low Minimum Deposit: Start with as little as $250 to open an account
- Build Credit: Make regular, on-time payments to boost your credit history
- Earn Dividends: Funds held in your account earn dividends
- No Hidden Fees: Enjoy no annual fee, balance transfer fee, or over-the-credit-limit fee
- Competitive APR: Benefit from competitive interest rates offered by credit unions
- Visa Classic Benefits: Includes Zero Fraud Liability, Emergency Card Replacement, and more
With features like ID Navigator by NortonLifeLockTM and contactless payments, the Golden 1 Member First Visa® Card is a solid choice for those looking to improve their credit score. Apply today and take the first step towards a healthier financial future!
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Funds used for deposit will earn dividends
- Credit limit: $250 to $3,000
- Low APR
Who this card may suit
- You need to build (or repair) your credit history
- You don’t want to pay an annual fee or balance transfer fee
- You want to earn dividends from your security deposit
- You will take advantage of a low purchase APR
- You are a member of the Golden 1 Credit Unio
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 15.04% variable based on the Prime Rate |
| Balance Transfer APR | 15.04% variable based on the Prime Rate |
| Cash Advance APR | 15.04% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $5 or 2.5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | Up to 1% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $15 |
| Return Payment Penalty Fee | Up to $25 |
| Minimum Deposit Required | $250 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.
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Golden 1 Member First Visa® Card
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