Georgia's Own will be closed on Monday, February 19th in observance of Presidents' Day.
The Credit You Deserve
Convenience and accessibility come together with Georgia’s Own VISA® credit card options. Check them out.
Our premier credit card starts with 11.24-14.24% Annual APR¹ for balance transfers and cash advances, and gives you reward points for every dollar. Apply Now >>
The VISA Classic⁵ credit card puts your needs at front and center, starting with an 13.24-18.24% APR. Apply Now >>
VISA® Classic Secured
The VISA Classic Secured⁵ ⁶ credit card offers the same benefits as VISA Classic with a 11.24-18.24% APR – an ideal card for helping you rebuild your credit. Apply Now >>
Establishing your credit as a student is key to securing your financial future. The Georgia’s Own Student Visa is geared towards students while still offering low interest rates and bonus points on all your purchases. Apply Now >>
GSU Credit Card
The Georgia State University Credit Card is the only card that currently supports the Georgia State University Alumni Association. When you use your card, you’re not only showing your Panther pride, you are giving back to the Alumni Association. Apply Now >>
- + FREE discounts on popular brands
- + Simplify online payments with VISA Checkout
- + Can be used with Apple Pay, Samsung Pay, and Android Pay!
- + Check your rewards at ScoreCard® Rewards
- + NEW! – Enhanced fraud protection including 2-way text alerts
- + Zero fraud liability³
- + 24-hour access to your account
- + Online reporting and customized reports
- + Secured option available⁴
Other Great Benefits Include:
*(Platinum cardholders only)
1 Purchases, balance transfers and cash advances subject to the standard variable APR of 11.24-14.24% for Visa Platinum, 13.24-18.24% for Visa Classic, and 11.24-18.24% for Visa Classic Secured based on your creditworthiness and qualifications. Penalty APR is 19.24%. Rates valid as of 1/1/2018 and will vary with the market based on the Prime Rate. Fee for cash advance is 3% of advance amount. Fee for balance transfer is 3% of transfer amount or $10 whichever is greater. Fee for Foreign transactions 2.0% of each currency transaction in U.S. dollars. Subject to credit approval. Other limitations may apply.
2 Points can be redeemed in increments of $50 up to a maximum of $1000 per year. Points may only be redeemed as statement credits and credits cannot be substituted for making payments on the account.
3 Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify Georgia’s Own immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact Georgia’s Own.
4 To establish your credit limit, you must make a deposit to a secondary savings account at a 150% ratio to your credit limit. For example, a card with a $500 credit limit must have a deposit of $750. The total balance is held as a deposit as long as the Secured Visa account is open. You still need to make monthly payments toward any balance you accrue, as with any other credit card. After a minimum of 12 months and the establishment of good credit history, you may be eligible to graduate to an unsecured Visa® Classic or Visa® Platinum card.
5 The following benefits are not applicable to the Georgia’s Own Visa Classic or Classic Secured credit card: ScoreCard Bonus Points and the ability to redeem ScoreCard Bonus Points, personal identity theft, travel accident insurance, and warranty manager.
6 A secured card allows those with low credit or no credit to have a credit card that is ‘secured’ by money in a savings account.