SuperMoney
  Golden 1 Credit Union Platinum Rewards for Students

Golden 1 Credit Union Platinum Rewards for Students

in Personal Credit Cards from The Golden 1 Credit Union

Unaffiliated

Golden 1 Credit Union Platinum Rewards for Students

Unaffiliated

in Personal Credit Cards from The Golden 1 Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Golden 1 Credit Union Platinum Rewards for Students to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 13.79%
Balance Transfer APR  (Variable APR) 13.79%
Credit Score Range 650 - 850
Annual Fee $0

Golden 1 Credit Union Platinum Rewards for Students Review

This is a rewards credit card issued by The Golden 1 Credit Union. If you're wondering whether Golden 1 Credit Union Platinum Rewards for Students is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 3%.
  • Competitive APRs. Golden 1 Credit Union Platinum Rewards for Students has a variable purchase APR of 13.79%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Golden 1 Credit Union Platinum Rewards for Students
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Golden 1 Credit Union Platinum Rewards for Students is accepted.
  • Golden 1 Credit Union Platinum Rewards for Students reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
Golden 1 Credit Union Platinum Rewards for Students FAQ

Does Golden 1 Credit Union Platinum Rewards for Students have a cash back or rewards program?

Golden 1 Credit Union Platinum Rewards for Students is a rewards card.

Golden 1 Credit Union Platinum Rewards for Students Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A

Does Golden 1 Credit Union Platinum Rewards for Students have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Golden 1 Credit Union Platinum Rewards for Students offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Golden 1 Credit Union Platinum Rewards for Students benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Golden 1 Credit Union Platinum Rewards for Students?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR of 13.79%. The card has a variable balance transfer APR of 13.79% . It also has a variable cash advance APR of 13.79% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Golden 1 Credit Union Platinum Rewards for Students have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Golden 1 Credit Union Platinum Rewards for Students have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Golden 1 Credit Union Platinum Rewards for Students?

The following fees apply:

  • There is no overlimit fee
Golden 1 Credit Union Platinum Rewards for Students Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $15

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Golden 1 Credit Union Platinum Rewards for Students have a foreign transaction fee?

Golden 1 Credit Union Platinum Rewards for Students charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Golden 1 Credit Union Platinum Rewards for Students?

The Golden 1 Credit Union Platinum Rewards for Students customer service number is (916) 732-2900.

Does Golden 1 Credit Union Platinum Rewards for Students report your account activity to credit bureaus?

Yes, Golden 1 Credit Union Platinum Rewards for Students reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Golden 1 Credit Union Platinum Rewards for Students

  • Visit the Golden 1 Credit Union Platinum Rewards for Students website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 10:00am - 5:00pm
  • Tuesday 10:00am - 5:00pm
  • Wednesday 10:00am - 5:00pm
  • Thursday 10:00am - 5:00pm
  • Friday 10:00am - 5:00pm
  • Saturday 10:00am - 2:00pm

Other Services by The Golden 1 Credit Union

Icon for Personal Credit Cards
View all personal credit cards offered by The Golden 1 Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 2.5%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount Up to $15
Customer Type Personal
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Rates
  • Gas
  • Groceries
  • Restaurants
  • Every Purchase
Cash Advance APR (Variable APR) 13.79%
Balance Computation Average daily balance (including new purchases).
Credit Limit $500 - $2,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 13.79%
Balance Transfer APR (Variable APR) 13.79%
Balance Transfer Fee % 0%
Card Type
  • Student
  • Rewards
Card Network Visa

Be the first to rate

 

Would you recommend Golden 1 Credit Union Platinum Rewards for Students to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

The Golden 1 Credit Union Personal Credit Cards

Loading...