Golden 1 Member Rate Advantage Visa® Card
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Card network
- Visa
- Regular purchase APR
- 13.04% to 19.04% variable based on creditworthiness and the Prime Rate
At a glance
A low-rate card that empowers you to pay down balances faster or to consolidate debt from other cards- that’s what you’ll find with the Golden 1 Member Rate Advantage Visa® Card.
Our review of the Golden 1 Member Rate Advantage Visa® Card
Looking for a credit card with low rates and no fees? The Golden 1 Member Rate Advantage Visa® Card might just be the perfect fit for you. This credit card from California-based credit union Golden 1 comes with no annual fee, no balance transfer fee, and more.
Competitive APR
Credit unions like Golden 1 typically offer lower interest rates compared to big banks. With a competitive purchase APR starting as low as 11%, this card is a great option for those looking for a low-interest credit card.
While the card doesn’t offer any 0% intro APR periods for balance transfers, it’s still a solid choice for those with excellent credit scores. If you’re looking for a card with a longer 0% intro APR period, you might want to consider the Citi® Diamond Preferred® Card.
No Hidden Fees
One of the best features of the Golden 1 Member Rate Advantage Visa® Card is its lack of hidden fees. Cardholders enjoy no annual fee, no over-the-credit-limit fee, and no penalty APR. Just be aware that there is a 1% foreign transaction fee if you use the card abroad.
Chance to Build Credit for Some
With credit limits starting as low as $500, this card is a good option for those with near-Prime credit scores. By making regular payments and using your credit responsibly, you can build your credit over time.
Other Card Features
In addition to its low rates and no fees, the Golden 1 Member Rate Advantage Visa® Card also offers access to lifestyle benefits like Visa protections and services such as Zero Fraud Liability and Emergency Card Replacement.
Should You Apply for the Golden 1 Member Rate Advantage Visa® Card?
If you’re looking for a low-rate credit card for everyday purchases, the Golden 1 Member Rate Advantage Visa® Card is worth considering. While it lacks introductory APR periods, it’s still a solid option for those looking for a no-frills credit card with competitive rates and no fees.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Our Lowest Rates
- No Balance Transfer Fees
Who this card may suit
- You want to pay for large purchases over time
- You need to pay down debt
- You're consolidating other high-rate card balances
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 13.04% to 19.04% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 13.04% to 19.04% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 13.04% to 19.04% variable based on creditworthiness and 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 in U.S. dollars |
| Late Payment Penalty Fee | Up to $15 |
| Return Payment Penalty Fee | Up to $25 |
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 Rate Advantage Visa® Card
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