Golden 1 Credit Union

AndySoCal · ‎03-30-2026

I have interest in the card the card linked below. To me it looks like a solid card.

https://www.golden1.com/credit-cards/member-cash-rewards-plus

This credit union is geofenced to California only.

I would be interested in any feed back from those who are members of the Golden 1 credit union. Also if anyone else has any feedback on this card I would like to hear it.

Thanks in advance for your feedback

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

ptatohed · ‎03-31-2026

I've always liked this card. It falls in to that category of "I really, really like it, but just don't quite need it" category. You're in CA, right Andy?

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

AndySoCal · ‎03-31-2026

@ptatohed I am in the NE part of the San Fernando valley near Burbank Ca.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

bs1234 · ‎03-31-2026

Not applicable to @AndySoCal but I had a negative experience several years back. I applied, they did a hard pull and then said, oh you have to be in CA (which I wasn't). Always thought they could have checked that before the HP, but I've slowly got over it!

Kforce · ‎03-31-2026

@ptatohed wrote:
I've always liked this card.
It falls in to that category of "I really, really like it, but just don't quite need it" category.

^^^^ Same for me.

Card has been around and had this reward structure for some time, and still alive.

The card was a competitor to the Bank of the West 3% card, 10 years ago.

Not something new or untested.

They actually improved it (for some), changing unlimited 3% gas to 4% with a cap.

Also like the auto rewards monthly few issuers seem to do.

Have not seen anything negative about it in the forum, that I can remember.

AndySoCal · ‎04-01-2026

Something about my call with Golden 1 has been bugging me. The representative said something to effect of I know Golden 1 does this ... I know some credit union use a third party for credit card problems but not for everyday customer service. So I decided not to persue a credit card wth them for now.

FIC Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 807 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal