Golden 1 Credit Union Platinum Rewards for Students Review: Build Credit + No Annual Fee

University students everywhere, become a Golden 1 Credit Union member and take advantage of their Platinum Rewards Credit Card to get 3% cash rebate on gas, groceries and restaurant spending on top of beautifully low rates, no annual fee and no balance transfer fees, thus making this card a great option for well-rounded simple cash-back. There’s no co-signer required, if you qualify to make minimum payments on your own

Editor’s Note: To receive a rebate, the primary cardholder must be an active member and maintain a Golden 1 Regular Savings Account with the required minimum balance of $100.

Alternative Credit Card Bonuses:

• Chase Freedom Unlimited^SM
• Amex EveryDay® Credit Card

Golden 1 Credit Union Platinum Rewards for Students Summary:

• Learn More
• Best Feature: Up to 3% rebate
• Annual Fee: None
• Expiration Date: None
• Additional Advice: 3% cash rebate does not include wholesale clubs or eating establishments such as quick-service restaurants. Credit card accounts closed prior to their monthly closing statement date forfeit all unpaid rebates earned during the prior period.

Golden 1 Credit Union Platinum Rewards for Students Features:

• Low APR
• 3% cash rebate on gas, grocery, and restaurant purchases
• Plus, 1% cash rebate on all other purchases
• Up to $2,000 credit limit
• No co-signer required, if you qualify to make minimum payments on your own
• No annual fee

Platinum Rewards Pros:

• 3% Category
• No annual fee

Platinum Rewards Cons:

• Need to be a member AND have a Savings that satisfies more requirements
• Tons of limitation:
  • Cash rebates excludes cash advances and balance transfers
  • 3% cash rebate does not include wholesale clubs or eating establishments such as quick-service restaurants
• No sign-up bonus
• Requires excellent credit

Conclusion:

If you want a simple cash back rewards card for your university endeavors, then the Golden 1 Credit Union Platinum Rewards Credit Card could do just that with 3% cash back on gas, grocery, and restaurant purchases at no cap whatsoever. However, you must be a member and satisfy the Golden 1 Savings account requirement, and there’s no sign-up bonus, you’ll also need a presumably excellent credit score for approval in the first place and your 3% cash rebate does not include wholesale clubs or fast food joints. It must be noted that this card serves as a credit score builder and with that in mind, this is among the better options out there. Check out our complete list of Credit Card Promotions for any and all of your credit card necessities!