NFCU GO REWARDS® Credit Card


For People with
Fair Credit

REVIEWS

Reviews

The 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.

Card Quick Facts

Card Quick Facts

  • Earn 3X points per dollar spent at restaurants
  • Earn 2X points per dollar spent on gas
  • Earn 1X point per dollar spent on all other purchases
  • Option to choose Visa or Mastercard and potentially receive Visa Signature or World Mastercard benefits
  • Cell phone protection
  • Access one of your FICO scores
  • No balance transfer fees
  • No cash advance fees
  • No foreign transaction fees
  • No annual fee

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 3X points per dollar spent at Restaurants
  • 2X points per dollar spent on Gas
  • 1X point per dollar spent on all other purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 11.24%–18.00% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 18.00%
Late Fee Up to $20
Returned Payment Fee Up to $20
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 11.24%–18.00% Variable
Balance Transfer Fee None
Cash Advances

Cash Advances

Cash Advance APR 2% above your Variable APR
Cash Advance Fee None

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free FICO® Credit Score

    View one of your FICO scores any time you’d like at no cost and without hurting your credit scores. Based on Equifax credit data.

Visa Signature Benefits

  • Visa Signature Concierge

    Find tickets to the top sports and entertainment events, make dinner reservations, and even get help finding and sending the perfect gift. Just call 1-800-953-7392 to speak with your concierge.

  • Sports, Entertainment, Fine Wine & Food

    Get the chance to participate and taste award-winning handcrafted wines year-round, access premier golf benefits, and receive exclusive movie ticket and entertainment discounts.

  • Travel Discounts

    Get discounts and upgrades at the top hotels, resorts, and cruise lines.

  • Shopping Discounts

    Get discounts and special offers from premium retailers.

World Mastercard Benefits

  • Mastercard Airport Concierge

    15% savings on Airport Meet & Greets, with personal agents to escort you through the airport at over 450 destinations, 24/7.

  • ShopRunner

    The ShopRunner service will provide free 2-day shipping and free return shipping on a wide variety of eligible items.

  • onefinestay

    Get a 10% discount on onefinestay bookings, plus free WiFi and a complimentary iPhone (with free local calls and data) to use during your stay.

  • Mastercard Global Service

    Available when traveling in a foreign country, includes Lost/Stolen Card Reporting and Replacement, Emergency Cash Advances, and information on ATM locations.

  • Zero Liability

    You won’t be held responsible for unauthorized transactions made with your card. You’re covered if your card is ever lost, stolen or fraudulently used.

Visa Signature Benefits

  • Emergency Card Replacement

    Visa will work with your bank to get you your card replacement ASAP – within 24 to 72 hours.

  • Emergency Cash Disbursement

    Visa can arrange a wire cash transfer to your local Western Union location within 2 hours of approval from your bank.

  • Lost or Stolen Card Reporting

    Call your Visa card issuer or Visa Global Customer Care Services at 1-800-847-2911 to report your card lost or stolen.

World Mastercard Benefits

  • Mastercard ID Theft Protection

    Provides assistance in the event of identity theft, including contacting credit bureaus and issuing an ID Theft Affidavit.

  • Cell Phone Protection

    When you pay your cell phone bill with your card each month, you’ll be protected for the next calendar month so you can be reimbursed if your phone is stolen or damaged.

Visa Signature Benefits

  • Warranty Manager Service

    Your Visa Signature Card extends the time period for U.S. manufacturer’s warranties by doubling the time period of the original manufacturer’s warranty, up to one additional year, on eligible warranties of three years or less.

  • Purchase Security

    For the first 90 days your items are covered against theft or damage under certain circumstances.

World Mastercard Benefits

  • Purchase Assurance Coverage

    Provides coverage for eligible lost or stolen items within 90 days from the date of purchase.

  • Extended Warranty

    Your card extends the time period for U.S. manufacturer’s warranties by doubling the time period of the original manufacturer’s warranty, up to one additional year, on eligible warranties of three years or less.

  • Price Protection

    If a newly bought item is found being advertised for a lower price within 60 days of purchase, reimbursement may be awarded for the difference in price.

  • Auto Rental Collision Damage Waiver

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

Visa Signature Benefits

  • Travel and Emergency Assistance

    Call for legal and medical referrals, or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

  • Auto Rental Collision Damage Waiver

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Roadside Dispatch

    If you have a roadside emergency, like needing a tow or jumpstart, call 1-800-847-2869 anytime for help. Roadside service fees will be provided when you call and will be billed to your card.

  • Lost Luggage Reimbursement

    Reimbursement for carry-on luggage that is damaged or lost by the carrier. You and your immediate family are covered up to $3,000 per passenger. Terms, conditions, and exclusions may apply.

World Mastercard Benefits

  • Travel Assistance Services

    Call for help at any time for emergencies of various kinds, including legal or medical referrals.

  • MasterRental Coverage

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Master RoadAssist Services

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. May save money with pre-negotiated fees.

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