CREDIT CARDS

Empowerment Credit Card

Bring your everyday needs within reach with the benefits of a low-rate credit card.1

Every GECU Empowerment Credit Card lets you enjoy …

  • Competitive interest rates: Keep more of your money in your wallet with the competitive interest rates that you can only find at a credit union.
  • Limited fees: Benefit from a credit card with no annual fee, no over-the-limit fees, no balance transfer fees and no cash advance fees.2 This credit card has foreign transaction fees, late payment fees and returned payment fees.
  • Card Control: Card Control3 lets you turn misplaced cards on and off, limit spending amounts, receive spending-limit alerts and more. Enroll in Card Control today by logging in to your GECU Online Banking account or the GECU Mobile App!4
  • Mastercard® benefits: Your GECU credit card is backed by exclusive Mastercard benefits like zero liability, cellular protection services, travel assistance services, ID-theft protection and more.5
  • Mobile wallet: Add your GECU credit card to your mobile wallet for convenient contactless payments online or in store to make your checkout even faster!
  • Balance transfers: Tired of high-interest-rate credit cards? Get the benefits of a balance transfer credit card with the GECU Empowerment Credit Card. You can easily transfer your balances with no fees and low rates.
  • Online banking and support: Manage your credit card transactions, balances, bills and payments how you want to with GECU Online Banking, the GECU Mobile App,4 member services or by visiting your closest branch.
  • Security: Your credit card is automatically signed up to send you alerts via text,4 email or phone call to notify you of possible fraudulent activities.

Review the current information on the credit card agreement and prices for GECU Empowerment Credit Card accounts here.

Back to School promo

Back to School With the GECU Empowerment Credit Card¹

Get ready for this school year with a GECU Empowerment Credit Card. Enjoy a low introductory APR and no annual fee, no cash advance fees, and no balance transfer fees!2
We’re Here to Answer Your Credit Card Questions
  • Does a GECU Empowerment Credit Card charge an annual fee?
    The empowerment credit card does not charge an annual fee.
  • Does GECU charge for cash advances?
    There is no cash advance fee. However, ATM transaction fees apply when conducting a cash advance at an ATM.
  • Can I transfer a balance from another credit card?
    Yes, you can transfer a balance from another credit card to your empowerment or rewards credit card. To get started, log in to your GECU Online Banking account, click the “Credit Card” tab, select “Balance Transfer” from the “Account Services” tab, and fill out the requested information.
  • How can I increase my credit card limit?
    To apply for a credit card limit increase, contact us online or call us at toll-free at 1.800.772.4328.
  • How can I lower my APR?
    Contact us online or call us toll-free at 1.800.772.4328, to see what options are available to you.
  • Do you offer a secured credit card?
    No, we do not offer a secured credit card. The GECU Credit Builder Loan can help build your credit and grow your savings at the same time! Learn more about our credit builder program.
  • Can I make more than the minimum payment each month?
    Yes, it is recommended to pay more than the minimum payment each month to help pay off your debt faster and reduce interest charges.
  • Can I have a GECU Empowerment Credit Card and a GECU Rewards Credit Card?
    Yes, you can apply for a GECU Empowerment Credit Card and a GECU Rewards Credit Card. Our credit cards are subject to credit qualifications and approval. Apply for an empowerment credit card or apply for a rewards credit card.
  • Can I add my credit card to my mobile wallet?
    Yes, you can add your GECU credit cards to your mobile wallet for quick, convenient contactless payments. View the step-by-step instructional video to add your credit card to your mobile wallet.
  • Where can I make a payment?
    You can make a payment by logging in to your GECU Online Banking account, by using the GECU Chat, by calling toll-free at 1.800.772.4328.

Membership eligibility is required.
1Subject to credit qualification and approval. Other conditions apply. Offer applies to new GECU Empowerment Credit Cards only. 1.90% introductory Annual Percentage Rate (APR) is subject to qualification that is based on creditworthiness and other factors. The introductory rate is fixed for the first six billing cycles after opening the account for all purchases, balance transfers, convenience checks and cash advances. After that, the variable standard rate for purchases, balance transfers and convenience checks will apply (13.15%–17.90% APR as of October 1, 2023). The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. The introductory rate may end sooner if your payment is late. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Empowerment Credit Card at your GECU location or online at gecu.com. Introductory rate and range of rates do not apply to the GECU Rewards Credit Card.
2Other fees may apply.
3Intermittent disruptions as a result of network performance issues and outages beyond our control may delay card control service functionality.
4Standard text-messaging and data rates may apply through the wireless carrier.
5Additional conditions apply. View Mastercard benefits.
6Subject to credit qualification and approval. Other conditions apply. Introductory rate is not available for the GECU Rewards Credit Card. The variable standard rate for purchases, balance transfers and convenience checks is 15.99%-17.90% Annual Percentage Rate (APR) as of October 1, 2023. The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. Introductory offer applies to new GECU Rewards Credit Cards only. You will only earn 4.5 points for every $1 on qualifying purchases within the first three months of opening the account, up to $5,000 total spent. Once you spend $5,000 within the first three months, you will earn 1.5 points per $1. Cash advances, balance transfers, ATM transactions, and transactions with the use of convenience checks are not eligible to earn points. Other limitations apply. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Rewards Credit Card. The GECU Pickaxe Rewards Credit Card is not a UTEP sponsored affinity program.


Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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