CREDIT CARDS

Rewards Credit Card

Choose the card that rewards you for buying the things that you want or need.

Rewards Credit Card

Your cash back & travel rewards credit card benefits

  • Earn points: Earn 1.5 points for every $1 that you spend on qualifying purchases1 and redeem them for cash back, gift cards, travel, merchandise and more!
  • Mobile wallet: Add your rewards credit card to your mobile wallet for convenient contactless payments online or in store to make your checkout even faster!
  • Card Control: Card Control2 lets you turn misplaced cards on and off, limit spending amounts, receive spending-limit alerts and more. Enroll in Card Control today by logging in to your GECU Online Banking account or the GECU Mobile App!
  • Mastercard® benefits: Your card is backed by exclusive Mastercard benefits like zero liability, cellular protection services, travel assistance services, ID-theft protection and more.3
  • Limited fees: This rewards credit card comes with no annual fee, no over-the-limit fees, no balance transfer fees and no cash advance fees.4 This credit card has foreign transaction fees, late payment fees and returned payment fees.
  • Competitive rates: Keep more of your money in your wallet with the competitive interest rates you can only get as a GECU member.
  • Online banking and support: Manage your credit card transactions, balances, bills and payments how you want to with GECU Online Banking, the GECU Mobile App,5 or member services.


Review the current information on the credit card agreement and prices for GECU Rewards credit card accounts here.

We’re Here to Answer Your Rewards Credit Card Questions
  • Can I make my payment online?
    Yes, you can make a payment by logging in to your online banking account. For other payment options, contact us online or call us toll-free at 1.800.772.4328.
  • How many reward points do I earn per $1?
    New rewards credit cardholders earn 4.5 points for every $1 spent on qualifying purchases for the first three months up to $5,000 spent. After the first three months of account opening, you’ll earn 1.5 points for every $1 spent on qualifying purchases.
  • Do my reward points expire?
    Yes, your reward points will expire three years from earning and the oldest points will expire first. Points will expire on the billing cycle date within the month of expiration. Points will be forfeited if your account is closed, revoked, frozen, delinquent and/or over the limit, or if you are in bankruptcy.
  • Can I have a GECU Empowerment credit card and a GECU Rewards credit card?
    Yes, you are able to have a GECU Empowerment credit card and GECU Rewards credit card as long as credit qualifications are met. Apply now for a GECU Empowerment credit card or apply now for a GECU Rewards credit card.
  • What can I use my reward points for?
    Rewards points can be redeemed for cash back, gift cards, merchandise, travel and more. View full details of the credit card rewards points.
  • Will my cash rewards credit card be declined if my purchase is over the limit?
    Yes, your rewards credit card will be declined if you are over your credit limit.
  • How can I process a balance transfer?
    To get started, log in to your online banking account, click the “Credit Card” tab, select “Balance Transfer” from the “Account Services” tab, and fill out the requested information.
  • Am I able to take cash out on my rewards credit card?
    Yes, you are able to take cash out of your credit card by performing a cash advance within 50% of your credit card limit.
  • Where can I redeem my reward points?
    To redeem points, contact us or call the member service department at 1.888.725.2593. To be eligible to redeem points, your account(s) must be open and the rewards credit card cannot be delinquent and/or over the limit. Other limitations may apply. Learn more about other limitations that may apply.
  • How do I earn reward points with my rewards credit card?
    Earn reward points by using your credit card on everyday purchases. Cash advances, balance transfers, ATM transactions and transactions with the use of convenience checks are not eligible to earn points.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
© 2023 Mastercard. All rights reserved.

Membership eligibility is required.
1Subject to credit qualification and approval. Other conditions apply. Introductory rate is not available for the GECU Rewards credit card. The variable standard rate for purchases, balance transfers and convenience checks is 15.99%-17.90% Annual Percentage Rate (APR) as of October 1, 2023. The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. Introductory offer applies to new GECU Rewards credit cards only. You will only earn 4.5 points for every $1 on qualifying purchases within the first three months of opening the account, up to $5,000 total spent. Once you spend $5,000 within the first three months, you will earn 1.5 points per $1. Cash advances, balance transfers, ATM transactions, and transactions with the use of convenience checks are not eligible to earn points. Other limitations apply. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Rewards credit card. The GECU Pickaxe Rewards credit card is not a UTEP sponsored affinity program.
2Intermittent disruptions as a result of network performance issues and outages beyond our control may delay card control service functionality.
3Additional conditions apply. To learn more please see the Mastercard benefits.
4Other fees may apply.
5Standard text-messaging and data rates may apply through the wireless carrier.
6Subject to credit qualification and approval. Other conditions apply. Offer applies to new GECU Empowerment credit cards only. 1.90% introductory is subject to qualification that is based on creditworthiness and other factors. The introductory rate is fixed for the first six billing cycles after opening the account for all purchases, balance transfers, convenience checks and cash advances. After that, the variable standard rate for purchases, balance transfers and convenience checks will apply (13.15%-17.90% APR as of October 1, 2023). The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. The introductory rate may end sooner if your payment is late. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Empowerment credit card at your GECU location or online at gecu.com. Introductory rate and range of rates do not apply to the GECU Rewards credit card.
7All loans are subject to approval. Rates and terms are based on borrower’s credit qualifications and subject to change. Other conditions apply.
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