GECU Empowerment Mastercard^® Credit Card

Membership eligibility is required.
¹Subject to credit qualification and approval. Other conditions apply. Offer applies to new GECU Empowerment Mastercard 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 (12.15%–17.90% APR as of January 1, 2025). 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 Mastercard 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.
⁵Under the Mastercard^® Zero Liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us; otherwise, your liability will be determined by GECU Terms and Conditions.
⁶Additional conditions apply. View Mastercard benefits.
⁷Subject to credit qualification and approval. Other conditions apply. Introductory rate is not available for the GECU Rewards Mastercard credit card. The variable standard rate for purchases, balance transfers and convenience checks is 14.99%–17.90% Annual Percentage Rate (APR) as of January 1, 2025. 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 Mastercard credit card is not a UTEP-sponsored affinity program.

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