Credit Cards
Your cable bill is due, the car needs an oil change and it’s your niece’s birthday. Use your Cash Back Card to make those routine purchases and watch the rewards roll in! The Cash Back program is an automatic feature of your card, so choose this card for all purchases and start earning!
Credit Card Benefits
No matter what your need or preference, Greater Texas Credit Union has a credit card to fit your lifestyle. All credit cards come with:
- $0 Annual Fee
- No higher interest rate on cash advance or balance transfers
- Contactless technology
- Fraud detection and prevention features to protect you
- Verified by Visa® online purchase protection
- Discounts from Visa merchants
- Additional benefits from Visa®: Roadside Dispatch, Dovely Uplift, and Sofar Sounds
- Easily replaced if lost or stolen - Call 877-703-5978
Card Benefit |
|
Purchase |
Balance Transfer |
Cash Advance |
Fee |
|---|---|---|---|---|---|
 |
Cash Back VISALooking for a cash back card? This rewards card gives you cash back based on your purchases.
Learn More Apply Online |
16.99% - 18.00% Annual Percentage Rate |
16.99% - 18.00% Annual Percentage Rate |
16.99% - 18.00% Annual Percentage Rate |
$0 Annually |
 |
Preferred Rate VISAThis all-purpose credit card provides a low interest rate with no annual fee.Learn More |
12.99% - 17.99% Annual Percentage Rate |
12.99% - 17.99% Annual Percentage Rate |
12.99% - 17.99% Annual Percentage Rate |
$0 Annually |
|
Share Secured VISAThis card allows you to receive a major credit product based on the amount in your savings.
|
16.00% Annual Percentage Rate, Fixed |
16.00% Annual Percentage Rate, Fixed |
16.00% Annual Percentage Rate, Fixed |
$0 Annually |
Falcon Fraud Protection is an automated fraud detection service that monitors plastic card purchases.
Lost or stolen credit card call 877-703-5978.
Lending Notice
All unsecured loan applications may require additional review and verification during the application process.
No loan applications will be considered until membership applications have been completed and all information including identification verified.
No loan applications will be considered until membership applications have been completed and all information including identification verified.
What to Expect When You Apply
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Officer Review
A decision will be made
in one business day.
in one business day.
Finalize
Sign loan documents via
email or in person.
email or in person.
How it Works
Swipe your Rewards Card or pay with your mobile wallet wherever you normally shop. Each qualifying purchase* earns a cash back reward. Your cashback rewards will accumulate throughout the year. How much you've earned will appear on your monthly credit card statement so you can keep track of your reward amount.
Stay connected with the credit union to learn about ways to earn EXTRA cash back throughout the year!
Frequently Asked Questions
How do my Credit Card Rewards work?
Qualified purchases made with your Greater Texas CU Visa Cash Back Credit Card automatically earn 1% cash back. Those reward earnings are stockpiled and issued back to your CU savings account annually as a rebate. Again, you must be a Cash Back cardholder to earn rewards.
What is a "Qualified Purchase"?
Transactions you perform and authorize at the point of sale, online and over the phone as well as recurring bills charged to your Greater Texas CU Visa Platinum Card are all considered “Qualified Purchases” which will earn 1% cash back.
What is not considered a "Qualified Purchase"?
Cash advances, ATM withdrawals, balance transfers, unauthorized or fraudulent charges and fees or premiums of any kind are not “Qualified Purchases”.
When will I receive my reward earnings?
Rewards will be paid by the end of the year based upon activity between the previous November through October of the current year.
What happens to my earnings if my credit card account is closed?
When a credit card account is closed, all reward earnings become void and are surrendered. However, if a credit card is closed and replaced due to unauthorized use all reward earnings are transferred over to the new credit card account.
Can I split my earnings or give them to another account holder?
Reward earnings cannot be transferred, “gifted” or paid to another account holder. Earnings will only be paid into the savings account directly associated with the credit card.
Do reward earnings count as taxable income?
Your annual rewards payout is not considered taxable income and does not have to be reported as such. Greater Texas will not generate or send out a 1099 tax form with regard to credit card reward payouts.
