Simply Platinum Credit Card
Without Cash Rebate
APR as low as
9.75%
Fixed Rate
With Cash Rebate
APR as low as
12.75%
Fixed Rate
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!
- Cash rebate program
- Low fixed rate
- No annual fee
- No balance transfer fees
- 25-day grace period on purchases
- Worldwide Acceptance at Retailers and ATMs
- VISA protection
- Instant issue available at all branches
- Features contactless technology for a fast, easy, and secure checkout
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:
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.
Card Controls
With Card Controls, members enjoy greater Visa card security. Disable your lost or stolen Visa cards immediately right from your mobile phone.
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
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!
Contactless Payment
Goldenwest Visa credit cards feature contactless technology for a fast, easy, and secure checkout.
eAlerts
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.
EMV Chip Security
Goldenwest Visa credit cards feature EMV microchips to better store and protect your personal account information.
ID Navigator
Your partner against identity theft. Your Goldenwest Visa credit card includes ID Navigator Powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened. To confirm eligibility, visit cardbenefitidprotect.com
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.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
Visa Basic
11.49% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
VISA Rewards and The Aggie Card
12.99% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
9.75% - 18.00%, based on your creditworthiness.
Simply Platinum Rebate
12.75% - 18.00%, based on your creditworthiness.
Visa Signature
16.99%. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
Visa Basic
11.49% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
9.75% to 18.00%, based on your creditworthiness.
Simply Platinum Rebate
12.75% to 18.00%, based on your creditworthiness.
Visa Signature
16.99%. This APR will vary with the market based on the Prime Rate.
Visa Basic
11.49% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa Rewards and The Aggie Card
12.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Simply Platinum
9.75% to 18.00%, based on your creditworthiness
Simply Platinum Rebate
12.75% to 18.00%, based on your creditworthiness
Visa Signature
16.99%. This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
1.50% of the amount of each cash advance
- Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date:
The information about the costs of the card described in this application is accurate as of June 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Basic, Visa Rewards and The Aggie Card, Simply Platinum and Simply
Platinum Rebate are secured credit cards. Credit extended under this credit card account is secured by various
personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any
shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you
have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement
Account or in any other account that would lose special tax treatment under state or federal law, and (d)
collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the
foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the
Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be
secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be
deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;
or (ii) you cease to be a covered borrower.
$22.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
