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GECU Credit Cards

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Imagine having one credit card to earn rewards on your everyday purchases, combined with the purchasing power of a second credit card for larger purchases or the unexpected. Make it happen with the combined power of the GECU Empowerment credit card and GECU Rewards credit card.*

You'll enjoy a low rate with the GECU Empowerment credit card, or get a full range of reward offerings with the GECU Rewards credit card. Achieve more when you choose one credit card or both!


BRING EVERYTHING WITHIN REACH

Imagine never having to choose between what you need and what you want. Take advantage of the GECU Empowerment credit card for the things you need. Or, get a full range of reward offerings with the GECU Rewards credit card for the things you want. Choose one, or choose both!


  GECU Empowerment Credit Card GECU Rewards Credit Card
Designs To Represent You!
Welcome Offer 1.90% introductory APR For first 6 months**
Rates & Fees
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • 1.90% introductory APR for first 6 months. After that, your APR will be a variable rate, currently 8.65% - 17.90%.
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • Your APR will be a variable rate, currently 11.24% - 17.24%
Rewards Benefits Earn 1 point for every dollar spent on qualified purchases
Benefits***
  • MasterCard® Travel Assistance Services
  • MasterCard® Purchase Assurance
  • MasterCard® Extended Warranty
  • MasterCard® Price Protection
  • MasterCard® ID Theft Protection
  • MasterCard® Cellular Protection Services
  • MasterCard® Zero Liability Protection
  • MasterCard® Travel Assistance Services
  • MasterCard® Purchase Assurance
  • MasterCard® Extended Warranty
  • MasterCard® Price Protection
  • MasterCard® ID Theft Protection
  • MasterCard® Cellular Protection Services
  • MasterCard® Zero Liability Protection

Apply Now

Apply today at gecu.com; on the GECU Mobile App; by calling 915.778.9221, toll-free at 1.800.772.4328; or by visiting any GECU location.

Join our family today — it’s easy!***

The current information on the credit card agreement and prices for GECU Empowerment credit card accounts can be reviewed here.

The current information on the credit card agreement and prices for GECU Rewards credit card accounts can be reviewed here.

*Subject to credit qualification and approval. Other conditions apply. Offer applies to new Empowerment credit cards only. 1.90% introductory Annual Percentage Rate (APR) is subject to qualification and based on creditworthiness and other factors, and effective upon the opening of your account if you are approved for a GECU Empowerment credit card. Rate is fixed for the six billing cycles following the opening of the account for all purchases, balance transfers and cash advances. After that, the variable standard rate for purchases, balance transfers and cash advances will apply (8.65%–17.90% APR as of April 1, 2017). The variable APR for cash advances will apply to cash advances conducted after the expiration of the introductory rate. The range of the disclosed APRs will vary with the market based on the prime rate and may have changed. Please contact a GECU representative or visit gecu.com for the most-current rates. The introductory rate may end sooner if your payment is late. See the variable rate and fees disclosures included in the MasterCard® application at your GECU location or online at gecu.com. Introductory rate and range of rates do not apply to the GECU Rewards card.
**Subject to credit qualification and approval. Other conditions apply. Introductory rate not available for the GECU Rewards card. The variable standard rate for purchases, balance transfers and cash advances is 11.49%–17.49% APR as of April 1, 2017. Cash advances, balance transfers, ATM transactions, and transactions with the use of convenience checks are not eligible to earn points. Other limitations apply. The GECU Pickaxe Rewards credit card is not a UTEP affinity program. Learn how to become a member at gecu.com.
***Learn more about how you can join. Click here.

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