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Visa Rewards Credit Card

Choose a Goldenwest Visa Rewards Credit Card and watch your Points Plus rewards add up quickly.

Every qualifying purchase gets you closer to attractive rewards such as travel rebates on airline tickets, hotel stays, and rental cars. Or choose gift cards to national restaurant chains and merchants. Perhaps you’re just looking for a cash back option with your points? We have that too. Plus, save money with no annual fee and no balance transfer fee.

Enjoy the purchase power and security offered by Visa combined with competitive rates, no annual fees and excellent service available from Goldenwest. Plus, we offer competitive, member-friendly rewards program that offers Golden Rewards: Points Plus for travel, merchandise and gift cards. Or, choose a rebate program featuring up to one-percent cash back. It’s up to you!

2x points on home and garden purchases

Earn from May 1 - June 30

*Earn 2x points on home and garden purchases made with your Goldenwest or USU Credit Union Visa Rewards Credit Card, or Aggie Card from May 1, 2026, through June 30, 2026. Offer not valid on cash advances or balance transfers. Other conditions and eligibility requirements may apply. Qualifying merchant category codes include the following: 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 5039, 5046, 5072, 5074, 5193, 5198, 5199, 5200, 5211, 5231, 5251, 5261, 5713, 5712, 5714, 5718, 5722, 0780.

Features and Benefits

Account Access

Review your Visa credit cards, including available balances and transaction history, 24/7 from the convenience of your personal computer or mobile device.
Card Controls

With Card Controls, members enjoy greater Visa card security. Disable your lost or stolen Visa cards immediately right from your mobile phone.
Instant Issue

Why wait 7-10 business days for your Visa credit card to arrive in the snail mail? All Goldenwest branches offer Visa card instant issue, giving you immediate access to your line of credit!
Mobile Wallets

Goldenwest Credit Union Visa credit cards can be activated on several mobile wallets including Apple Pay, Google Pay and Samsung Pay to make purchases with your authorized mobile device.
Contactless Payment

Goldenwest Visa credit cards feature contactless technology for a fast, easy, and secure checkout.
eAlerts

Visit the online branch to enroll in eAlerts to receive customized texts and/or email messages about transaction activity, funds availability and payment due dates for your Visa cards.
EMV Chip Security

Goldenwest Visa credit cards feature EMV microchips to better store and protect your personal account information.
Porch Theft Protection

You’ve made the ultimate purchase and have received notification that your package was delivered, but when you get home your porch is empty. You don’t get frustrated, because you bought the item with your eligible VISA card so you may be covered with Theft Only Purchase Security.
Travel Accident Insurance

Travel Accident Insurance is accidental death and dismemberment insurance to cover you while you are traveling. See details for the rewards option coverage or the non-rewards option coverage.

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APR as low as

11.49^%

Variable Rate

Disclosure Information

Visa Rewards Credit Card

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

0.00% Introductory APR for a period of six billing cycles

11.49% - 18.00%

When you open your account, based on your creditworthiness.

Annual Percentage Rate (APR) for Cash Advances

11.49% - 18.00%

When you open your account, based on your creditworthiness.

Annual Percentage Rate (APR) for Balance Transfers

11.49% - 18.00%

When you open your account, based on your creditworthiness.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

None

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.

FEES

Annual Fee

None

Transaction Fees

Balance Transfer Fee

None

Cash Advance Fee

1.50% of each cash advance

Foreign Transaction Fee

1.00% of each multiple currency transaction in U.S. dollars

1.00% of each single currency transaction in U.S. dollars

Transaction Fee for Purchases

None

Penalty Fees

Late Payment Fee

Up to $22 if you are 15 or more days late in making a payment

Over-the-Credit Limit Fee

None

Returned Payment Fee

$22.00

Other Fees

Card Replacement Fee

$5.00

Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.

Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)

Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2026. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Rewards Credit Card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

New Credit Cards Offer!

Get a $100 deposit and 0% interest on purchases

*Receive 0% interest APR on purchases made with a new VISA credit card for the first six months after opening. Offer not valid on cash advances or balance transfers.

**Get a $100 deposit into your Gold Account after five purchases with the new credit card within the first six months. Only available on new Goldenwest or USU Credit Union consumer credit cards. VISA convert from existing VISA credit card does not qualify. Offer limited to one per account and/or per qualifying member. Primary member must be 18 years or older. Offer cannot be combined with new business credit card offers. Other conditions and eligibility requirements may apply. Subject to credit approval. Offer valid April 1, 2026 through September 30, 2026. Equal Opportunity Lender.

Notifications

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Visa Rewards Credit Card

Choose a Goldenwest Visa Rewards Credit Card and watch your Points Plus rewards add up quickly.

2x points on home and garden purchases

Earn from May 1 - June 30