Credit Union of Georgia Visa® CommUNITY
Credit Union of Georgia and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit Union of Georgia. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Credit Union of Georgia Visa® CommUNITY from Credit Union of Georgia earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the Credit Union of Georgia Visa CommUNITY earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Credit Union of Georgia Visa CommUNITY compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Credit Union of Georgia Visa CommUNITY compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Credit Union of Georgia Visa CommUNITY?
The Credit Union of Georgia Visa CommUNITY fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
Credit Union of Georgia Visa CommUNITY fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $2 foreign transaction fees.
- Business card — rewards and liability rules differ from consumer cards.
Does the Credit Union of Georgia Visa CommUNITY have an annual fee?
The Credit Union of Georgia Visa CommUNITY has an annual fee of $0 and a foreign transaction fee of $2. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2
Related encyclopedia topics
Common questions about the Credit Union of Georgia Visa CommUNITY
Does the Credit Union of Georgia Visa CommUNITY have an annual fee?
The Credit Union of Georgia Visa CommUNITY carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Credit Union of Georgia Visa CommUNITY?
Dining is the strongest Madeen category for the Credit Union of Georgia Visa CommUNITY at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Credit Union of Georgia Visa CommUNITY charge foreign transaction fees?
The Credit Union of Georgia Visa CommUNITY charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Credit Union of Georgia Visa CommUNITY?
Madeen's catalog lists a typical credit range of Good to Excellent for the Credit Union of Georgia Visa CommUNITY. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Credit Union of Georgia Visa CommUNITY?
Rewards on the Credit Union of Georgia Visa CommUNITY post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Credit Union of Georgia Visa CommUNITY?
To maximize the Credit Union of Georgia Visa CommUNITY, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Credit Union of Georgia Visa CommUNITY compare to similar cards?
Compare the Credit Union of Georgia Visa CommUNITY against Credit Union of Georgia Visa Everyday Rewards+ (4% on Dining, $0 fee); Credit Union of Georgia Visa Business Cash Preferred (3% on Dining, $0 fee); Credit Union of Georgia Visa Reserve Rewards+ Card (2% on Dining, $390 fee). Madeen ranks effective value by category and annual fee using the same catalog.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Credit Union of Georgia Visa CommUNITY This card | Dining | 1% | $0 |
Credit Union of Georgia | Dining | 4% | $0 |
Credit Union of Georgia | Dining | 3% | $0 |
Credit Union of Georgia | Dining | 2% | $390 |
Credit Union of Georgia | Dining | 1.5% | $0 |
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Credit Union of Georgia and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Credit Union of Georgia. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure