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You can choose to apply for either a Visa or Mastercard, and you’ll get the same gas and restaurant rewards for each version. You can only apply for this card if you’re an NFCU member.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
Intro Balance Transfer APR | N/A |
Regular Balance Transfer APR | 10.49%–18.00% Variable |
Balance Transfer Fee | None |
Penalty APR | 18.00% |
Late Fee | Up to $20 |
Returned Payment Fee | Up to $20 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | None |
Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 2% above your Variable APR |
Cash Advance Fee | None |
You can usually pay your bill online on your
Credit card issuer's websiteThe GO REWARDS® Credit Card offers Visa or Mastercard benefits and rewards for everyday purchases. When you apply, you’ll be able to select whether you want a Visa or Mastercard version.
This card earns 3X points per dollar spent at restaurants, 2X points per dollar spent on gas, and 1X point per dollar spent on everything else.
If you apply for the Visa option, you’ll first be considered for the Visa Signature, and if you’re not approved for that you’ll probably be considered for a Visa Platinum. Same rules apply when you choose the Mastercard option, with the World Mastercard/standard Mastercard versions.
Visa Signature benefits may include the Visa Concierge Service, travel and shopping discounts, and an extended warranty service. World Mastercard benefits also include a concierge service, as well as a complimentary ShopRunner membership and a onefinestay discount.
This card has no annual fee.