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Simply Platinum Credit Card

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.

Special Offer

0% Balance Transfers

Move your balance to any Goldenwest Credit Union Visa credit card with 0% interest for 6 months.

Learn how to transfer your balances from your mobile app or online here!

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 01/01/2025 through 03/31/2025. 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. The offer is available on all consumer Visa products only. Offer excludes business Visa products.

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

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.
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!
Mobile Wallets

Goldenwest Credit Union 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.
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.

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Without Cash Rebate

APR as low as

11.75^%

Fixed Rate

With Cash Rebate

APR as low as

14.75^%

Fixed Rate

Disclosure Information

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers

Simply Platinum Credit Card Without Cash Rebate

11.75% - 18.00%

When you open your account, based on your creditworthiness.

Simply Platinum Credit Card With Cash Rebate

14.75% - 18.00%

When you open your account, based on your creditworthiness.

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.

Minimum Interest Charge

None

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.

FEES

Annual Fee

None

Transaction Fees

Balance Transfer Fee

None

Cash Advance Fee

1.50% 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

Transaction Fee for Purchases

None

Penalty Fees

Late Payment Fee

Up to $22 if you are 15 or more days late in making a payment

Over-the-Credit Limit Fee

None

Returned Payment Fee

$22.00

Other Fees

Card Replacement Fee

$5.00

Balance Transfers: We may permit you to transfer the balance of an account that you owe to another creditor to your account with us. If we approve a balance transfer, finance charges will be calculated and will accrue according to the same method as for cash advances.

Method for Computing the Balance for Purchases: Average Daily Balance (Including New Purchases)

Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Simply Platinum Credit Card is a secured credit card. 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.

Notifications

Select your preferred branch

Simply Platinum Credit Card

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

Special Offer

0% Balance Transfers

The more you spend annually, the more you earn.