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Credit Union of Georgia logo Credit Union of Georgia - Homepage

Consumer Credit Cards

0% APR* on Balance Transfers for the First 12 Months!

Transfer Your Balance. Transform Your Budget.

Apply for a Card
Save where it's needed. Earn where it counts. Spend with confidence.

0% APR* Balance Transfer for 12 Months!

Transfer your high-interest balances and pay 0% APR on balance transfers when you complete your transfer within the first 90 days of opening your card.
The 0% promotional period begins on the date your balance transfer posts and applies for the first 12 billing cycles.

Also Available for Business Cards

Credit Cards designed to work for you, not against you.

All of our Visa® credit cards offer these exciting benefits:

• 0% APR Balance Transfer for 12 Months
• Competitive, Always-Low Interest Rates
• Worldwide Visa® Acceptance
• Fraud Monitoring and Zero-Liability Protection
• Roadside Dispatch®
• Travel and Emergency Assistance Services
• Savvy Money Credit-Building Tools
• Easy Account Access and Management
• Local Service and Support

Signature Rewards

For members who want rewards plus elevated cardholder benefits, frequent travelers, or those who value premium Visa services.

Premium rewards card with enhanced benefits and added protections.

Rates: As low as 14.24% Variable APR*
Minimum Credit Limit: $5,000

Rewards

For members who use their credit card regularly and want to earn rewards on daily spending or those who prefer flexible redemption options like cash back, gift cards, and merchandise.

Flexible rewards card that earns points on everyday purchases.

Rates: As low as 14.24% Variable APR*
Minimum Credit Limit: $500

Platinum

For members who are focused on paying down balances, transferring higher-interest debt, or those who value a lower ongoing rate over rewards.

Low-rate card built to help manage balances and reduce interest costs.

Rates: As low as 12.24% Variable APR*
Minimum Credit Limit: $500

Classic

For members who are new to credit, those looking for a basic and easy-to-manage card, or those who prefer no-frills options with reliable Visa benefits.

Simple, straightforward card designed for everyday use and building credit over time.

Rates: As low as 16.24% Variable APR*
Minimum Credit Limit: $500

Signature Rewards
Rewards
Platinum
Classic

0% APR Balance Transfer

Rewards & Redemption Program

Annual Fee
$0
$0
$0
$0

Roadside Dispatch®

Travel & Emergency Assistance Services

Security & Fraud Protection

Zero Liability & Lost/Stolen Card Reporting

Visa® Acceptance Worldwide

 

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0% Balance Transfer

Transfer your balance from other, high-interest credit cards within 90 days of card opening and receive 0% APR on that balance for 12 months!

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Earn 1.5 points for every $1 spent

Signature Rewards and Rewards cardholders will earn 1.5 points for every $1 spent which can be redeemed through our uChoose Rewards program.

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Earn 20,000 Bonus Points**

If you open a Signature Rewards or Rewards credit card today, you can earn 20,000 bonus points when you spend a total of $500 on 5 or more qualified transactions within 90 days of account opening.

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Redeem Points

Signature Rewards and Rewards cardholders can redeem points in the form of cash back, gift cards, merchandise purchases, flights, hotels, car rentals, cruises, and more through uChoose Rewards!

The fine print
*APR = Annual Percentage Rate. 0% APR introductory rate available on balance transfers made within first 90 days of card opening. 12-month offer period begins at first statement after balance transfer is complete. After 12-month introductory period, variable APR is set based on creditworthiness of borrower at account opening. Consumer Credit Cards are adjustable-rate loans with the rate being based on the WSJ Prime Rate. To view current WSJ Prime Rate, please reference our Loan Rates Page. **Rewards and Signature Rewards cardholders are awarded 20,000 points when a cumulative total of at least $500 is spent on 5 or more qualified transactions within 90 days of card opening. Program, terms, and conditions are subject to change without notice. Contact Credit Union of Georgia at 678-486-1111

New Year Reminder:

Your security matters to us—please remember, we will never ask for sensitive info like card number or passwords. Learn more about how to protect yourself...