Greater Iowa Credit Card Suite

So, which card is right for you?

If you want cash rewards...

Our GICU Mastercard Cash Rewards card offers 1% cash back on your purchases.

  • Low rates
  • No balance transfer fees
  • Local oversight
  • Rewards and benefits
  • No annual fee
  • 1% cash back on purchases

If you want great rewards...

Both the GICU Mastercard World and GICU Mastercard Platinum Rewards cards offer rewards points for opening the account and making purchases.

  • Great rates, including a 12-month introductory rate as low as 1.99% APR!**
  • 1.99% to 7.99% introductory APR for qualified members; rate is determined by creditworthiness.
  • After introductory period, rates are variable based on Prime Rate, 11.7% to 19.7%.
  • No balance transfer fees
  • Local oversight
  • Rewards and benefits
  • No annual fee

If you want to keep interest low...

If you need a no-frills, basic card with a great interest rate, choose our GICU Mastercard Platinum card.


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MC World

Mastercard®
World Card Premium

MC Platinum Rewards

Mastercard®
Platinum Rewards

MC Platinum

Mastercard®
Platinum

MC Rewards

Mastercard®
Cash Rewards

Apply Online Apply for Mastercard® World Card Premium Apply for Mastercard® Platinum Rewards Apply for Mastercard® Platinum

Apply for Mastercard® Cash Rewards

Card Details A prestige card for members who seek premium travel and merchandise rewards. For members who enjoy rewards that fit their lifestyle with CU Rewards. For members who want a no-frills card with a low rate. For members who seek 1% cash back on all purchases.
Introductory Annual Percentage Rate (APR)* As low as 
1.99% on purchases for the first 12 months. 
 (1.99-7.99% determined by  credit score) 
As low as 
1.99% on purchases for the first 12 months. 
 (1.99-7.99% determined by  credit score) 
As low as 
1.99% on purchases for the first 12 months. 
 (1.99-7.99% determined by  credit score) 
No Introductory Rate
After Introductory Rate Purchase  (APR)*

11.7% to 19.7%

11.7% to 19.7%

9.7% to 17.7%

13.7% to 16.7%

Introductory Balance Transfer APR* As low as
1.99% on balance transfers 
for the first 12 months
As low as
1.99% on balance transfers 
for the first 12 months
As low as
1.99% on balance transfers 
for the first 12 months
Not Available
Rewards: Account Opening & First 6 Months 10,000 and double points for first six months 5,000 and double points for first six months None None
Rewards: Purchases After First 6 Months 1 point for every dollar spent 1 point for every dollar spent None None
Cash Rewards None None None 1% cash rewards for every dollar charged.
Annual Fee $0 / none $0 / none $0 / none $0 / none
Late Payment Fee Up to $25 Up to $25 Up to $25 Up to $25
Returned Payment Fee $29 per returned item $29 per returned item $29 per returned item $29 per returned item
Credit Limit Range $5,000 to $50,000 $1,000 to $20,000 $1,000 to $20,000 $3,000 to $20,000
Minimum Required Payment 2% minimum or $25 2% minimum or $25 2% minimum or $25 2% minimum or $25
Additional Rewards None None None Additional rewards from various popular merchants available to cardholders through Cash Rewards Mall.
Apply Online Apply For Mastercard® World Card Premium Apply for Mastercard® Platinum Rewards Apply for Mastercard® Platinum Apply for Mastercard® Cash Rewards

Click here to view the GICU Credit Card Suite eBrochure.
Click here to view the Mastercard Guide to Benefits eBrochure

**APR (Annual Percentage Rate) on balance transfers, purchases and introductory rate for the first 12 months for qualified applicants. 1.99% to 7.99% introductory APR for qualified members; your rate is determined by creditworthiness. Not all applicants will qualify for an introductory rate. After the introductory period, rates are variable based on Prime Rate after the introductory period. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Greater Iowa Credit Union is an Equal Opportunity Lender.

Mastercard Cash Rewards Terms & Conditions

Cash back on all purchases.  Cash rewards may be redeemed as statement credit or deposited into cardholder’s GICU account.

**APR (Annual Percentage Rate) of 13.7% to 16.7% on balance transfers and purchases for qualified applicants; your rate is determined by creditworthiness.

Rates are variable based on Prime Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Greater Iowa Credit Union is an Equal Opportunity Lender. 

Mastercard Platinum Terms & Conditions

**APR (Annual Percentage Rate) on balance transfers, purchases and introductory rate for the first 12 months for qualified Mastercard Platinum applicants. 1.99% to 7.99% introductory APR for qualified members; your rate is determined by creditworthiness. Not all applicants will qualify for an introductory rate. After the introductory period, rates are variable based on Prime Rate after the introductory period. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Greater Iowa Credit Union is an Equal Opportunity Lender.