Student Visa®

Earn points1 for every dollar charged and build your credit while you finish school—with no annual fee2.

Build your credit (and your ramen fund)

From late-night pizza runs to textbooks, the Georgia’s Own Student Visa has your back (and wallet). Earn Flex Rewards points for every dollar charged and redeem them for cash back, gift cards, travel, and more.

Building your credit has never been easier—especially with perks like no annual fee2travel and emergency assistance, and porch piracy protection4.


Your next-level credit card

All our credit cards include these essential features:

  • No annual fee2 (yes, really!)
  • Contactless payments for faster checkout
  • Competitive rates that are some of the lowest around
  • Discounts on top brands at more than 2,000 of your favorite retailers
  • Simple online payments with Visa Click to Pay
  • Apple Pay®, Samsung Wallet®, and Google WalletTM compatibility
  • Zero fraud liability3 and emergency card replacement

Doesn't it feel good to be in control?

Manage your card and protect yourself from fraud with the Georgia’s Own Card Manager app.

  • View your transactions, balances, and available credit
  • Pay your bill
  • Customize your alerts and notifications
  • Lock or unlock your card
  • Report your card lost or stolen
  • Set up spending controls

Credit Card FAQs

If you want to redeem your points, just log into online banking or give us a call at 888.205.5931 to get started.

You can use your points for cash back, gift cards, travel, charitable donations—pretty much anything you want. And Pay With Points lets you make qualified purchases with the points you’ve already earned.

Your Flex Rewards points expire five years after the date you earned them. If you want to redeem your points, just log into online banking or give us a call at 888.205.5931 to get started.

If your debit or credit card has been lost or stolen, or if you suspect fraud, call us right away at 800.533.2062. You can also send us a secure message through online banking. We will immediately block and reissue your card.

You can also lock or unlock your credit card yourself through the Georgia’s Own Card Manager app.

Yes, it’s simple and easy to make a payment on your Georgia’s Own credit card. Here are some of the ways you can pay your bill:

  • Make a payment through online banking
  • Use the Georgia’s Own Card Manager app
  • Call our 24-hour automated pay-by-phone service at 866.597.1473
  • Mail your payment to:
    Georgia’s Own Credit Union
    PO Box 71050
    Charlotte, NC 28272-1050

Expedited Pay-by-Phone Fee: $8.00. If your account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee may be imposed for method of payment is only allowed if the fee is for expedited crediting. This generally means the payments must be credited that day or if after the cut-off time established by the Credit Union, the following business day.

We offer a secured version of our Visa® Classic credit card for members who have a low credit score or no established credit. A secured card is “secured” by money in a savings account. This money then acts as collateral every time you make a purchase. As you use your credit card and pay your bills on time, those payments are reported to credit bureaus, which helps you establish credit and raise your credit score.

Take a look at our other credit cards

Credit Cards

Visa Signature®

Our most rewarding card, with points earned for every dollar you spend, plus premium perks and concierge service.

Credit Cards

Visa® Platinum

Earn points for every dollar charged that you can redeem for cash back, gift cards, travel, and more.

Credit Cards

Visa® Classic

An easy, no-frills credit card with no annual fee and an affordable, competitive rate.


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1Georgia’s Own credit card points will expire five (5) years from the date earned.

2Your Annual Percentage Rate (APR) may vary based on your creditworthiness. View our rates page for additional information about our variable rate for Georgia’s Own Student Visa. Standard variable APR for purchases, balance transfers, cash advances, and for penalty APR 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.

3Covers 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.

4The following benefits are only applicable to the Georgia’s Own Visa Signature, Visa Platinum, and Student Visa: Flex Rewards, Travel and Emergency Assistance, Trip Cancellation/Interruption Reimbursement, Extended Warranty Protection, Buyer’s Protection, Roadside Dispatch, and Porch Piracy Protection. Products / Services Offered By Third Parties / Affiliates: Any financial, investment, warranty, credit insurance or other products or services (“products”) which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing; such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same. The products offered are not deposits, are not federally insured, sold or guaranteed by the Credit Union.