BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network None Annual FeeGolden 1 Member Cash Rewards+ Visa Signature Card
The no annual fee Golden 1 Member Cash Rewards+ Visa Signature credit card rewards hard-working Californians for purchases they make every day. The card earns up to 4% cash back on gas purchases, with no balance transfer fees and competitive rates every day.
Golden 1 Member Cash Rewards+ Visa Signature Card
Save Card Action Card selected track loadThe Golden 1 Member Cash Rewards+ Visa Signature is an impressive cash back rewards card from leading California credit union, Golden 1.
The Member Cash Rewards+ provides impressive cash back on gas purchases, making it one of the very best no annual fee gas rewards credit cards on the market today. Cardholders earn an impressive 4% cash back on gas station purchases. That 4% back applies to the first $5,000 in net purchases annually, with cardholders earning an unlimited 1% thereafter.
Diners will also enjoy the Member Cash Rewards+ Visa Signature Card, thanks to its 3% back on restaurants and food delivery services. That 3% also applies to grocery stores, meaning you earn accelerated cash back – no matter if you are cooking or just ordering a late-night snack.
All other purchases with the card earn an unlimited 1% cash back. Cash back earnings are automatically deposited to your Golden 1 savings account, so there is no confusion with multiple redemption options, varying point value, or point expiration.
Beyond a lucrative cash rewards program, the Golden 1 Member Cash Rewards+ Visa Signature also boasts no fees for many common charges. Cardmembers enjoy:
One fee that Golden 1 does charge is a foreign transaction fee. Expect to pay a fee of 1% if the transaction price in US dollars should you take and use your Golden 1 Member Cash Rewards+ abroad.
Credit unions typically offer interest rates significantly lower than rates for similarly marketed products from big banks. Golden 1 is no different, providing highly competitive rates for its credit card products. Cardholders can expect a competitive purchase APR of around 15%, a very enticing interest rate for a rewards credit card.
Other notable features of the Golden 1 Member Cash Rewards+ Visa Signature include access to lifestyle benefits, including ID Navigator by NortonLifeLock™ access, Sonoma County Vintners benefits, and Visa Signature benefits and protections, including:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement | Luxury Hotel Collection | Extended Warranty Coverage |
| Roadside Dispatch | Lost/Stolen Card Reporting | ID Navigator from Norton | Travel & Emergency Assistance |
Credit limits with the Member Cash Rewards+ card start at $5,000. If your card application is approved for a limit lower than $5,000, you may be offered the Member Cash Rewards credit card.
The Member Cash Rewards+ Visa Signature from Golden 1 Credit Union combines lucrative cash rewards with a competitive, low APR. The 4% cash back on gas is impressive but is tempered by the fact that those 4% rewards are capped after $5,000 in spending each year. Other cards, like the Sam’s Club® Mastercard®, also cap gas rewards and provide an additional 1% back on eligible gas purchases. This means 5% cash back on gas (on the first $6,000 per year, then 1%)
For those that want to prioritize gas rewards, the Golden 1 Member Cash Rewards+ Visa is a great choice for those who qualify for a Golden 1 membership. If not, there are plenty of other great gas rewards options – many of which charge no annual fee and (in some cases) more impressive rewards.
