GECU Credit Cards

GECU Credit Cards

Apply Now

From groceries and gas to shiny electronics and special surprises, the GECU Empowerment credit card and the GECU Rewards credit cards can help you bring everything within reach! Choose a card with a low introductory rate1 or one that gives you bigger rewards2 the more that you use it.

Make your in-store and online purchases quicker by adding your GECU credit card to your mobile wallet or by making it your primary payment method online.

Save money by transferring your high-interest-rate credit card balances to a GECU credit card.

  • Pay off your credit card debt faster
  • Consolidate your monthly payments
  • Save money on interest
Balance Transfer

GECU Empowerment Credit Card GECU Rewards Credit Card
Designs to Represent You!
Welcome Offer 1.90% introductory APR for the first six months1 Earn 2x the points for the first three months2
Rates & Fees
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • 1.90% introductory APR for first six months. After that, your APR will be a variable rate, currently 7.90%–17.65%.
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Earn 2X the points for the first three months. After that, you will earn 1.5 points per $1.
Rewards Benefits Earn 1.5 points for every $1 spent on qualifying purchases. View Rewards
Benefits3 Benefits
  • Mastercard® Travel Assistance Services
  • Mastercard ID Theft Protection
  • Mastercard Cellular Protection Services
  • Mastercard Zero Liability Protection
Benefits
  • Mastercard® Travel Assistance Services
  • Mastercard ID Theft Protection
  • Mastercard Cellular Protection Services
  • Mastercard Zero Liability Protection
Apply Now Apply Now
Apply Now

Join our family — it's easy!3

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

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

1Subject to credit qualification and approval. Other conditions apply. Offer applies to new GECU Empowerment credit cards only. 1.90% introductory Annual Percentage Rate (APR) is subject to qualification and based on creditworthiness and other factors. The introductory rate is fixed for the first six billing cycles following the opening of 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 (7.90%–17.65% APR as of April 1, 2020). 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. Introductory rate and range of rates do not apply to the GECU Rewards credit card.
2Subject 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 10.74%–16.74% APR as of April 1, 2020. The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. GECU Rewards credit card introductory offer applies to new GECU Rewards credit cards opened after August 6, 2020. You will only earn three 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.
3Learn more about how you can join. Click here.

Mastercard is a registered trademark, and the circles design are trademarks of Mastercard International Incorporated. Additional conditions apply. Please see Mastercard benefits website. Click here for more details.