Whether you are looking for your first credit card, a low interest rate, rewards or to rebuild your credit, Georgia's Own has the credit card you need!

NO Annual Fee or Balance Transfer Fee1

Earn 1 ScoreCard® Bonus Point Per Dollar on ALL Purchases

Redeem Points for Cash Back2, Travel, Gift Cards and Merchandise

NO Cap On Points and They Never Expire

Other great benefits include

FREE discounts on popular brands
25-day grace period on purchases
Zero fraud liability3
24-hour access to your account
Online reporting and customized reports
Secured option available4
Can be used with Apple Pay!

And with the power of VISA® you'll enjoy

Emergency card replacement
Auto rental coverage
Personal identity theft protection up to $1,000*
Travel accident insurance up to $500,000*
Warranty manager*
* Platinum cardholders only

Visa Platinum

Rewards, low interest rates and no annual fee1

The Georgia's Own Visa Platinum credit card is our premier card offering. If you are looking for a low interest credit card and rewards, this is the card for you!

Apply Now

Need help rebuilding credit?

The Georgia's Own Visa Classic5 credit card is tailored towards those needing to rebuild or re-establish their credit history.

Apply Now
Visa Classic

GSU Credit Card

Support your alma mater

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.

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The perfect card for students

Establishing excellent 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.

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Student Visa

Member Protection Plus6

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Member Protection Plus will cancel or waive your loan payment(s), up to the contract maximums — helping lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life
  • Disability
  • Involuntary unemployment
  • Family leave

Important Links

Visa Authorized User Form
Visa Balance Transfer Form
Visa Rates

Save Money with Georgia's Own!

Click here to view our Loan Saver Calculator to determine your potential savings by refinancing your existing loans with Georgia's Own Credit Union!

Attention Credit Card Account Holders: You may request a copy of your individual Credit Card Agreement by calling 404.874.1166, 800.533.2062 (option 3) or by sending us an email and designating in the Subject Line: “Credit Card Agreement Request”.

Note: If you elect to e-mail the Credit Union to request a copy of your agreement, do NOT place any
personally identifiable information (including your name or credit card account number) in your e-mail.

Get Current Rates. Get Current Information on your Georgia's Own Visa® account through Online Banking. If you're making Internet purchases, you need to sign up for Verified by Visa. Verified by Visa helps ensure that only you can use your Visa when making online purchases. Sign up now at www.visa.com/verified.