Greater Iowa Credit Card Options
If you want cash rewards...
Our GICU Mastercard Cash Rewards1 card offers 1% cash back on your purchases.
- Low rates
- No balance transfer fees
- Local oversight
- Rewards and benefits
- No annual fee
- 1% cash back on purchases
If you want great rewards...
Both the GICU Mastercard World and GICU Mastercard Platinum Rewards2 cards offer rewards points for opening the account and making purchases.
- Great rates, including a 12-month introductory rate as low as 1.99% APR!3
- 1.99% to 7.99% introductory APR for qualified members; rate is determined by creditworthiness.
- After the introductory period, rates are variable based on Prime Rate, 11.45% to 19.45%.
- No balance transfer fees
- Local oversight
- Rewards and benefits
- No annual fee
If you want to keep interest low...
If you need a no-frills, basic card with a great interest rate, choose our GICU Mastercard Platinum card.
Click here to apply for a credit card today!
|
Mastercard®
World Card Premium |
Mastercard®
Platinum Rewards |
Mastercard®
Platinum |
Mastercard®
Cash Rewards |
| Card Details |
A prestige card for members who seek premium travel and merchandise rewards. |
For members who enjoy rewards that fit their lifestyle with CU Rewards. |
For members who want a no-frills card with a low rate. |
For members who seek 1% cash back on all purchases. |
| Introductory Annual Percentage Rate (APR) |
As low as 1.99% on purchases for the first 12 months. (1.99-7.99% determined by credit score) |
As low as 1.99% on purchases for the first 12 months. (1.99-7.99% determined by credit score) |
As low as 1.99% on purchases for the first 12 months. (1.99-7.99% determined by credit score) |
No Introductory Rate |
| After Introductory Rate Purchase (APR) |
14.20% to 21.00% |
14.20% to 21.00%
|
12.20% to 20.20% |
14.20% to 21.00% |
| Introductory Balance Transfer (APR) |
As low as 1.99% on balance transfers for the first 12 months |
As low as 1.99% on balance transfers for the first 12 months |
As low as 1.99% on balance transfers for the first 12 months |
Not Available |
| Rewards: Account Opening & First 6 Months |
10,000 and double points for first six months |
5,000 and double points for first six months
|
None |
None |
| Rewards: Purchases After First 6 Months |
1 point for every dollar spent |
1 point for every dollar spent |
None |
None |
| Cash Rewards |
None |
None |
None |
1% cash rewards for every dollar charged. |
| Annual Fee |
$0 / none |
$0 / none |
$0 / none |
$0 / none |
| Late Payment Fee |
Up to $25 |
Up to $25 |
Up to $25 |
Up to $25 |
| Returned Payment Fee |
$29 per returned item |
$29 per returned item |
$29 per returned item |
$29 per returned item |
| Credit Limit Range |
$5,000 to $50,000 |
$1,000 to $20,000 |
$1,000 to $20,000 |
$3,000 to $20,000 |
| Minimum Required Payment |
2% minimum or $25 |
2% minimum or $25 |
2% minimum or $25 |
2% minimum or $25 |
| Additional Rewards |
None |
None |
None |
Additional rewards from various popular merchants available to cardholders through Cash Rewards Mall. |
Click here to apply for a credit card today!
Click here to view the Mastercard Guide to Benefits eBrochure
Terms and Conditions:
1 Mastercard Cash Rewards Terms & Conditions: Cash back on all purchases. Cash rewards may be redeemed as statement credit or deposited into cardholder’s GICU account. APR (Annual Percentage Rate) of 14.20% - 21.00% on balance transfers and purchases for qualified applicants; your rate is determined by creditworthiness. Rates are variable based on Prime Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Greater Iowa Credit Union is an Equal Opportunity Lender.
2 Mastercard Platinum Terms & Conditions: APR (Annual Percentage Rate) on balance transfers, purchases and introductory rate for the first 12 months for qualified Mastercard Platinum applicants. 1.99% to 7.99% introductory APR for qualified members; your rate is determined by creditworthiness. Not all applicants will qualify for an introductory rate. After the introductory period, rates are variable based on Prime Rate after the introductory period. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Greater Iowa Credit Union is an Equal Opportunity Lender.
3 APR (Annual Percentage Rate) on balance transfers, purchases and introductory rate for the first 12 months for qualified applicants. 1.99% to 7.99% introductory APR for qualified members; your rate is determined by creditworthiness. Not all applicants will qualify for an introductory rate. After the introductory period, rates are variable based on Prime Rate after the introductory period. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Greater Iowa Credit Union is an Equal Opportunity Lender.
GICU Operations Center: 1509 Baltimore Drive, Ames, Iowa 50010