Golden 1 Credit Union Member Cash Rewards+
Golden 1 Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Golden 1 Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Golden 1 Credit Union Member Cash Rewards+ from Golden 1 Credit Union earns up to 4% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Gas
- Effective value
- 4%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 4% back.
What does the Golden 1 Credit Union Member Cash Rewards+ earn in each category?
Gas is the strongest category at 4% effective value (4% back). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Golden 1 Credit Union Member Cash Rewards+ compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas at 4x.
Gas is the strongest category at 4% effective value (4% back). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Golden 1 Credit Union Member Cash Rewards+ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 4% back | 4% Top category |
| 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.
What are the Golden 1 Credit Union Member Cash Rewards+ reward caps and conditions?
The Golden 1 Credit Union Member Cash Rewards+ has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3% on restaurants and food delivery
- 4% on gas
- 3% on groceries
Who should get the Golden 1 Credit Union Member Cash Rewards+?
The Golden 1 Credit Union Member Cash Rewards+ fits spenders who put meaningful volume in gas and can earn 4% back. Best for spenders who put meaningful volume in gas and can earn 4% back.
Golden 1 Credit Union Member Cash Rewards+ fits spenders who put meaningful volume in gas and can earn 4% back. Madeen ranks its gas effective rate higher than about 92% 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 gas and can earn 4% back.
Foreign transaction fees make it weaker for international spend.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 4% effective (4% back).
- That gas rate ranks higher than about 92% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $1 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the Golden 1 Credit Union Member Cash Rewards+ have an annual fee?
The Golden 1 Credit Union Member Cash Rewards+ has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the Golden 1 Credit Union Member Cash Rewards+?
The Golden 1 Credit Union Member Cash Rewards+ includes Booking.com, Dovly Uplift™, Entertainment in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrGet convenient towing and locksmith referral services in the United States and Canada, available 24 hours a day, 7 days a week.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Entertainment
$240/yrEnjoy live performances and more like never before with your Member Cash Rewards+ card.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Transportation
$25/yrEnjoy savings on a seamless car rental experience. Use your Member Cash Rewards+ card to rent a qualified vehicle with Audi on demand and save up to 15%.
Fine Wine & Food
$10/yrEnjoy unique year-round culinary benefits, including special access and savings at more than 50 Sonoma County wineries2 when you use your Member Cash Rewards+ card.
ID Navigator Powered by NortonLifeLock™
$10/yrSmart tools to help against the evolving threat of identity theft.
Travel and Emergency Assistance Services
$10/yrGet help coordinating medical, legal, and travel services while you’re away from home.
Related encyclopedia topics
Common questions about the Golden 1 Credit Union Member Cash Rewards+
Where do cardholders spend most with the Golden 1 Credit Union Member Cash Rewards+?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (4x), coffee (3x), fast food (3x) for the Golden 1 Credit Union Member Cash Rewards+. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Golden 1 Credit Union Member Cash Rewards+ have an annual fee?
The Golden 1 Credit Union Member Cash Rewards+ 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 Golden 1 Credit Union Member Cash Rewards+?
Gas is the strongest Madeen category for the Golden 1 Credit Union Member Cash Rewards+ at about 4% 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 Golden 1 Credit Union Member Cash Rewards+ charge foreign transaction fees?
The Golden 1 Credit Union Member Cash Rewards+ charges a foreign transaction fee of $1 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 Golden 1 Credit Union Member Cash Rewards+?
Madeen's catalog lists a typical credit range of Good for the Golden 1 Credit Union Member Cash Rewards+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Golden 1 Credit Union Member Cash Rewards+?
Rewards on the Golden 1 Credit Union Member Cash Rewards+ 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 does the Golden 1 Credit Union Member Cash Rewards+ compare to similar cards?
Compare the Golden 1 Credit Union Member Cash Rewards+ against Golden 1 Credit Union Member Rate Advantage (1% on Dining, $0 fee); Golden 1 Credit Union Member First (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Golden 1 Credit Union Member Cash Rewards+ This card | Gas | 4% | $0 |
Golden 1 Credit Union | Dining | 1% | $0 |
Golden 1 Credit Union | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
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Golden 1 Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Golden 1 Credit Union. 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