Goldenwest Credit Union offers a suite of credit cards tailored to different needs and financial goals. Their low-rate credit card is an excellent choice for those looking to pay off debt efficiently.
With one of the lowest interest rates available, this card minimizes the amount of interest paid each month, allowing you to chip away at the principal balance more quickly.
In this post, we will try to cover the various options of Goldenwest Credit Union Credit Card.
An Overview
For those who prefer to earn rewards on their spending, Goldenwest has attractive options as well. Their rewards credit cards allow you to rack up points or cash back with every purchase. The points can be redeemed for travel perks like discounted airfare, hotel stays, and rental cars. The cash back option puts money back in your pocket with a generous 1.5% rebate on all qualifying purchases.
No matter which Goldenwest credit card you choose, you can enjoy the benefits without paying an annual fee. The no-rebate, low-rate version offers the absolute lowest interest rate for those prioritizing debt paydown. The rewards cards provide valuable points, miles, or cash back in addition to a competitive low fixed rate.
With no annual fees, low interest rates, and lucrative rewards programs, a Goldenwest Credit Union credit card is an exceptional option for all types of consumers. Whether you want to save on interest, earn travel rewards, or put cash back in your pocket, they have the right credit card for your needs.
The Different Credit Cards Provided by Goldenwest Credit Union:
Visa Basic Credit Card
This is a no-frills option with a low APR as low as 11.74% variable rate. It doesn’t offer rewards or cash back, but provides an affordable interest rate for those looking to minimize interest costs on carried balances. It’s a good choice for basic credit needs without extra perks.
Visa Rewards Credit Card
For earning rewards on purchases, this card has an APR as low as 13.24% variable rate. It allows you to rack up points with every swipe that can be redeemed for travel – airfare, hotels, rental cars and more. While the rate is slightly higher than the Basic card, the rewards make it worthwhile for those who will take advantage.
Simply Platinum Credit Card
This card tries to blend low interest rates with a cash rebate program. The no-rebate option has an APR as low as 11.75% fixed rate. Or you can choose the cash rebate version with 1% back on purchases but a slightly higher 14.75% fixed APR. It provides flexibility based on your spending habits and goals.
Signature Credit Card
As the premium offering, the Signature card has a 1.5% unlimited cash back reward program on all purchases. It also provides some valuable travel benefits like TSA PreCheck credits and lost luggage reimbursement. The APR is a bit higher, as low as 16.99% variable, positioning it as an ideal card for those who want maximum cash rewards.
In summary, the cards run the gamut from basic low APRs to lucrative rewards programs based on what category of cardholder you are – aimed at minimizing interest, earning travel rewards, cash back or a hybrid approach.
Benefits of Goldenwest Credit Union Credit Card
- Earn valuable rewards like travel rebates on airfare, hotels, rental cars, gift cards, and cash back depending on the specific card.
- Low variable interest rates starting as low as 11.74% APR to minimize interest costs.
- No annual fees so you can enjoy the card’s perks without yearly charges.
- No balance transfer fees if you want to consolidate debt to the low-rate card.
- 25-day grace period on new purchases before interest accrues.
- Worldwide acceptance anywhere Visa is taken for convenient usage.
- Visa’s zero liability fraud protection and other security benefits.
- Ability to get an instant issue card at any Goldenwest branch location.
- Contactless payment technology for tap-and-go convenience and security.
- Competitive rewards programs to earn points, miles, or cash back on spending.
- No foreign transaction fees for global travel.
- Excellent customer service and account management from the credit union.
- Special benefits like travel insurance, purchase protection, and extended warranties.
Whether you want low interest rates, lucrative rewards, or both – the Goldenwest cards deliver a compelling array of advantages and perks for cardholders.
Features of Goldenwest Credit Union Credit Card
- Goldenwest Visa credit cards offer contactless technology for a fast, easy, and secure checkout experience.
- Goldenwest Visa credit cards utilize EMV microchips to enhance the storage and protection of your personal account information.
- Your Goldenwest Visa credit card includes ID Navigator Powered by NortonLifeLock, empowering you with tools to quickly respond if your identity is threatened. To confirm eligibility, visit cardbenefitidprotect.com.
- You can activate your Goldenwest Visa credit cards on various mobile wallets, including Apple Pay, Google Pay, and Samsung Pay, enabling purchases with your authorized mobile device.
- With Card Controls, members can enhance Visa card security by immediately disabling lost or stolen Visa cards directly from their mobile phones.
- Review your Visa credit cards, including available balances and transaction history, 24/7 from the convenience of your personal computer or mobile device.
Rates, Cost and Fees
The Simply Platinum Visa from Goldenwest currently features a low fixed rate and no annual fee. Your choices encompass a rebate program offering up to one per cent cash back on qualifying purchases. Alternatively, if securing the lowest rate possible is your primary concern, you can opt for the no-rebate alternative. Additionally, there are never any balance transfer fees.
You currently enjoy the purchasing power and security provided by Visa, coupled with competitive rates, no annual fees, and outstanding service from Golden West. Furthermore, we present a competitive, member-friendly rewards program that awards ExtraAwards points for travel, merchandise, and gift cards. Alternatively, you can select a rebate program that offers up to one per cent cash back. The decision is yours to make.
Features of the cash rebate program include a low fixed rate, no annual fee, no balance transfer fees, a 25-day grace period on purchases, worldwide acceptance at retailers and ATMs, VISA protection, instant issue available at all branches, and contactless technology for fast, easy, and secure checkout. Moreover, the more you spend annually, the more you earn.
RATE
Annual Spend: Cash Rebate
- First $10.00 to $1000.99: 0.25%
- Next $1001.00 to $2000.99: 0.50%
- Next $2001.00 to $3000.99: 0.75%
- Over $3001.00: 1.00%
How to Apply for a Goldenwest Credit Union Credit Card
- Visit the credit card section on Goldenwest Credit Union’s website at gwcu.org/visa/creditcards
- Review the different credit card options and click “Apply Now” next to the card that best fits your needs and goals.
- Complete the online application form with your personal information like name, date of birth, Social Security number, and contact details.
- Provide financial information including annual income, monthly housing costs, and existing debt/credit accounts.
- Review and agree to the credit card terms, conditions, and disclosures presented.
- Submit the completed application for processing by Goldenwest.
- Within 7-10 business days, you’ll receive a decision on your application status.
If approved, you’ll get your new Goldenwest credit card in the mail within 7-14 business days.
Activate the card by calling the number provided or going online, then start using it right away.
How to Activate Goldenwest Credit Union Credit Card
Please call 801-621-4550 or 800-411-6390
How Do I Make my Goldenwest card the Default Card?
Your default card for iTunes or Passbook is initially the credit or debit card linked to your iTunes® account or the first card added to Passbook®. If you wish to change your default card, follow these steps:
Go to Settings > Passbook & Apple Pay.
Tap on “Default Card.”
Select the option to choose a new card.
Choose your Goldenwest credit or debit card from the list of available cards.
Signing In to the Online Account
To sign into the Online Account, you will enter your Username and Password on the login page.
What to do if you forget your security question answers
If you have forgotten the answers to both of your security questions, there are two options available to you:
- If you have a computer where you have previously selected the option to “Remember computer,” you can log in on that specific computer and proceed to reset your security questions.
- Otherwise, if you do not have access to such a computer, you will need to visit your nearest branch for assistance. Please ensure you bring a valid photo ID with you for verification purposes.
What to Do if Your Account is Locked
If your account is locked, you will need to visit your nearest branch for assistance. Please ensure you bring a valid photo ID with you for verification purposes.
Changing Your Password
To change your current password, please follow these steps:
Click on the drop-down menu located in the upper right-hand corner of your dashboard, labelled with your name, and select the “Settings” option.
- Navigate to the “Security” tab.
- Click on the pencil icon next to your Password.
- Enter your current password, then create your new password.
- Finally, click the “Save Changes” button to confirm the password update.
Conclusion
Goldenwest Credit Union offers a robust suite of credit cards to meet various needs – from low-interest options for paying off debt efficiently, to rewarding cards that earn cash back, points, or travel perks on purchases.
Their cards provide compelling benefits like no annual fees, low rates, worldwide Visa acceptance, contactless payment technology, and valuable cardholder protection features.
With competitive rewards programs, the ability to control card settings, and excellent customer service from the credit union, Goldenwest’s credit cards make an excellent choice for consumers seeking affordable financing, robust rewards, or a balanced combination of low costs and earned benefits on their spending.
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