Rewards & Benefits

Using your Georgia’s Own Visa® credit card couldn’t be easier—or more rewarding.

A little something extra

Credit Cards

Flex Rewards

Get points every time you use your Georgia’s Own Visa Signature®, Visa® Platinum, or Student Visa® credit card and redeem them for anything from gift cards to gas. Points expire five (5) years after the date earned.

Credit Cards

Card Manager App

Our app makes it easy to keep your card safe, protect yourself from fraud, and track your spending.

Credit Cards

Pay With Points

Use your Flex Rewards points earned with your Visa Signature®, Platinum, or Student Visa® credit card to pay for new purchases.

Credit Cards

Visa® Click to Pay

Save time and protect your personal information by using Visa® Click to Pay when you shop online.


Your next-level credit card

All our credit cards include these essential features:


Learning Center

Go beyond banking with resources and news to learn how to make informed financial decisions.


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1Your Annual Percentage Rate (APR) may vary based on your creditworthiness. View our rates page for standard variable APR for purchases, balance transfers, cash advances, and for penalty APR and when it applies. Balance transfer fee is 3% of the balance transfer or $10 minimum, whichever is greater. Cash advance fee is 3% of advance amount. Foreign transaction fee is 2% of each multiple currency transaction in US dollars. Additional terms, conditions, and limitations may apply.

2Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify Georgia’s Own immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact Georgia’s Own.