Ideal Gold Visa® Credit Card

The Credit Card That Earns You Monthly Cash Back

Ideal CU Gold Credit Card

As a Visa Gold cardholder, you’ll receive 0.5% cashback automatically applied to your card balance each month. No minimum spend required—just use your card and enjoy the monthly reward. It’s a simple way to earn back on everyday purchases, with no extra steps or thresholds to meet.

Your card also includes Travel & Emergency Assistance, services to help you in case of an emergency while traveling.

It’s all part of making your Gold card more valuable, every time you use it.

Card features and benefits

  • No Annual Fee
  • Non-variable rates as low as 12.50% APR2
  • Monthly cashback earnings
  • Zero Liability coverage

Credit Card PIN

Ideal CU Visa Credit Cards are equipped for cardholders to set and use a PIN for ATM machines. Once your card has been received, please call 1-888-886-0083 to establish a PIN.

Ready to start earning cashback?

Apply online to get on your way to earning cashback on the purchases that matter most to you.

Apply now

 

Find the Right Ideal CU Credit Card for You

Blue Rewards Credit Card

blue rewards credit card

Earn points for every dollar and redeem those points for top-brand merchandise, gift cards, travel adventures or even exchange your rewards points for cashback. Learn more

  • No Annual Fee
  • Variable rates as low as 15.25% APR1
  • CU Rewards Program
  • Zero Liability coverage
  • Rewards Points for Cash Back

Apply Online

Gold Credit Card

Gold Credit Card

Enjoy an affordable, non-variable rate card that allows you to earn cashback each month. Earn a 0.50% rebate for every dollar in new net purchases of $500 or higher. Learn more

  • No Annual Fee
  • Non-variable rates as low as 12.50% APR2
  • Monthly cashback earnings
  • Zero Liability coverage

Apply Online

Ideal Visa Credit Cards

Rates as of:

 

*APR = Annual Percentage Rate

1 Ideal CU Blue Rewards variable APR ranges from 15.25% - 18.00% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Cash Advance fees are 3% of each advance (Minimum $10.00). Foreign Transaction fees are up to 1% of each transaction in U.S. Dollars. Card Shipment Rush Fee $40. See full card disclosure.

2 Ideal CU Gold non-variable APR ranges from 12.50% - 18.00% dependent on creditworthiness. Cash Advance fees are 3% of each advance (Minimum $10.00). No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Card Shipment Rush Fee $40. See full card disclosure.