Simply Platinum Credit Card

Without Cash Rebate

APR as low as


Fixed Rate

With Cash Rebate

APR as low as


Fixed Rate

Apply for a Simply Platinum Card

Disclosure Information

If you’re looking for the best fixed-rate credit card on the market, we have your Visa.

The Simply Platinum Visa from Goldenwest features a low-fixed rate and no annual fee. Your options include a rebate program with up to one-percent cash back on qualifying purchases. Or, if getting the lowest possible rate is your top priority, choose the no-rebate option. And there is never a balance transfer fee.

Enjoy the purchase power and security offered by Visa combined with competitive rates, no annual fees and excellent service available from Goldenwest. Plus, we offer competitive, member-friendly rewards program that offers ExtraAwards points for travel, merchandise and gift cards. Or, choose a rebate program featuring up to one-percent cash back. It’s up to you!

Special Offer

0% Balance Transfers - Move your balance to any Goldenwest Credit Union Visa credit card with 0% interest for six months.

Please contact us at 1-800-283-4550 or speak with a branch representative for more details.

*0% Fixed Annual Percentage Rate (APR) for the first six statement cycles on balance transfers during the promotional period defined as 01/01/20 through 04/31/20. After the initial six statement cycles, the remaining balance transfer amount will convert to the pre-determined rate determined by creditworthiness at account opening. The 0% balance transfer offer may not be used to pay any Goldenwest Credit Union, USU Credit Union or Healthcare Credit Union accounts. Offer valid only with consumer Goldenwest/USU Credit Union Visa credit cards.

The more you spend annually, the more you earn.

Annual Spend* Cash Rebate
First $10.00 to $1000.99 0.25%
Next $1001.00 to $2000.99 0.50%
Next $2001.00 to $3000.99 0.75%
Next $3001.00+ 1.00%

Features available with this card:

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Account Access

Review your Visa credit cards, including available balances and transaction history, 24/7 from the convenience of your personal computer or mobile device.

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Card Controls

With Card Controls, members enjoy greater Visa card security. Disable your lost or stolen Visa cards immediately right from your mobile phone.

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Mobile Wallets

Goldenwest Visa credit cards can be activated on several mobile wallets including Apple Pay, Google Pay and Samsung Pay to make purchases with your authorized mobile device.

Instant issue

Instant Issue

Why wait 7-10 business days for your Visa credit card to arrive in the snail mail? All Goldenwest branches offer Visa card instant issue, giving you immediate access to your line of credit!

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Personalize Your Visa

Custom-design your Goldenwest Visa credit or debit card with a photo of your family, pet, favorite vacation spot or other special image on the front of the card.

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Visit the online branch to enroll in eAlerts to receive customized texts and/or email messages about transaction activity, funds availability and payment due dates for your Visa cards.

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EMV Chip Security

Goldenwest Visa credit cards feature EMV microchips to better store and protect your personal account information.

Auto Rental Collision Damage Waiver

The Auto Rental Collision Damage Waiver benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.

Travel Accident Insurance

Travel Accident Insurance

Travel Accident Insurance is accidental death and dismemberment insurance to cover you while you are traveling.

* Qualifying annual spend does not include purchase credits, cash advances, fees, interest charges, etc. Rebates are deposited into the primary member’s savings account on an annual basis by February 28th.