Visa Signature®
Earn like a boss: endless perks, 1.25 Flex Rewards points1 for every dollar charged, plus no annual fee.
Rack up points (and perks) with a Visa Signature card
Earning and using Flex Rewards credit card points1 is faster and easier with our Visa Signature credit card.
- Get 1.25 points1 for every dollar you charge on your card.
- Use your points for cash back, statement credits, gift cards, travel, charitable donations, or pretty much anything you want.
- Pay With Points lets you make qualified purchases with the points you’ve already earned.
As a Visa Signature cardholder, you also get access to exclusive perks like the Signature Concierge service and premium rewards and benefits at luxury hotels and resorts, from the guaranteed best rates to bougie room upgrades.
Next-level Visa Signature credit card features
With top-tier perks and rewards, our Visa Signature card is a great fit if you’ve got a solid credit history. Like the rest of our credit cards, our Visa Signature credit card includes these essential features:
- No annual fee (yes, really!)
- Contactless payments for faster checkout
- Competitive rates that are some of the lowest around
- Discounts at more than 2,000 of your favorite retailers
- Simple online payments with Visa Click to Pay
- Apple Pay®, Samsung Wallet®, and Google WalletTM compatibility
- Zero fraud liability2 and emergency card replacement
Doesn't it feel good to be in control?
With our Visa Signature card, you can manage your card and protect yourself from fraud with the Georgia’s Own Card Manager app.
- View your transactions, balances, and available credit
- Pay your bill
- Customize your alerts and notifications
- Lock or unlock your card
- Report your card lost or stolen
- Set up spending controls
Visa Signature Credit Card FAQs
Visa Signature cardholders can enjoy premium benefits, like travel and emergency assistance, concierge service, and exclusive discounts on hotels, dining, and entertainment.
Visa Signature credit cards typically include benefits like travel accident insurance, lost luggage reimbursement, and trip delay or cancellation coverage. You can check out the benefits guide for more information.
Yes! Visa Signature cardholders have access to 24/7 concierge services that can help with travel planning, restaurant reservations, event tickets, and more.
Visa Signature cards offer elevated benefits and perks beyond standard Visa credit cards, including higher credit limits and better travel, shopping, and entertainment rewards.
Most Visa Signature benefits are automatically available to eligible cardholders, but some perks, like travel deals or exclusive events, may require registration or booking through a designated portal.
If you want to redeem your points, just log into online banking or give us a call at 888.205.5931 to get started.
You can use your points for cash back, gift cards, travel, charitable donations—pretty much anything you want. And Pay With Points lets you make qualified purchases with the points you’ve already earned.
Your Flex Rewards points expire five years after the date you earned them. If you want to redeem your points, just log into online banking or give us a call at 888.205.5931 to get started.
We offer a secured version of our Visa® Classic credit card for members who have a low credit score or no established credit. A secured card is “secured” by money in a savings account. This money then acts as collateral every time you make a purchase. As you use your credit card and pay your bills on time, those payments are reported to credit bureaus, which helps you establish credit and raise your credit score.
Georgia’s Own imposes a fee of 2.00% of the amount of the transaction, calculated in U.S. dollars, on all foreign transactions. A foreign transaction is any transaction that a member or a merchant completes on a Visa credit or debit card outside of the United States, with some rare exceptions. This fee is charged because of the exchange rate between the transaction currency and the billing currency used for processing international transactions. You’ll see this on your Statement of Accounts and in your online banking history with a description of “Foreign Transaction Fee Conversion” or “International Transaction Fee.”
Not the right fit? Check out our other credit cards
Visa® Platinum
Earn points for every dollar charged that you can redeem for cash back, gift cards, travel, and more.
Visa® Classic
An easy, no-frills credit card with no annual fee and an affordable, competitive rate.
Student Visa®
Earn Flex Rewards points with each purchase you make and build your credit while you finish school.
Just getting started with credit or working on improving yours?
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1Georgia’s Own credit card points will expire five (5) years from the date earned.
2Covers 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.
