Personal Credit Cards

Visa® or MasterCard® ...it's your choice! Select the GSB credit card that best fits your needs: Low Rate or Preferred Points Card. Both have special low introductory rates on purchases and balance transfers** during the first six months.

Convenience

 

Application

 

Submit application via:

  • Fax (877) 809-9162
  • Deliver to any GSB branch
Reward options for Preferred Points Cards Preferred Points Brochure
View or redeem reward points www.mypreferredpoints.com or call 1-866-678-5191.
View Card account or make payment online Online Access
Cardholder customer service 1-800-367-7576

 

Consumer Credit Card Programs
Low Rate Card Preferred Points Card
Available to all applicants for both Visa and MasterCard. Reward points are not available for this product. Available to all applicants for both Visa and MasterCard.
Intro Rate
of 2.9% APR* for the first 6 months
Intro Rate
of 2.9% APR* for the first 6 months
Standard rate after intro
is Prime + 6.99% APR.

Standard rate after intro
is Prime +11.99%

No Annual Fee

**Other fees that may be charged, if applicable are: an over limit fee, NSF fee, agent assisted pay-by-phone fee, cash advance fee and balance transfer fee. These are listed on the downloadable application.
No Annual Fee

**Other fees that may be charged, if applicable are: an over limit fee, NSF fee, agent assisted pay-by-phone fee, cash advance fee and balance transfer fee. These are listed on the downloadable application.
25 day grace period for purchases.
No grace period for cash advances
or cash equivalent transactions.
25 day grace period for purchases.
No grace period for cash advances
or cash equivalent transactions.
Visa Benefits of rental car collision damage waiver protection; MasterCard Benefits of rental car collision damage waiver protection and travel insurance. Visa Benefits of rental car collision damage waiver protection; MasterCard Benefits of rental car collision damage waiver protection and travel insurance. Earn one point for each dollar spent up to 10,000 points per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.

Any unused Preferred Points Miles accrued on GSB's previous consumer credit cards will be credited to the new account number. Preferred Points Miles will continue to accrue as before.

*After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted by the 25th day of each month or the business day proceeding the 25th day if that day falls on a weekend or a holiday recognized by the Federal Reserve Bank. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Finance Charges on the Account, but all calculations will be made using a minimum Index of not less than 5.00%. The Account will never have an APR over 21%.