Enjoy an Easier Way to Pay. Every Day.
Make all your purchases easy and secure, in person and online, with a Gulf Coast Educators FCU Visa® Credit Card.
You can choose from our Classic, Rewards or Texas Educators Rewards Credit Card.
Choose the Card that Best Fits Your Needs
Classic Credit Card
✔ Rates as low as 11.24% APR*
Rewards Credit Card
✔ Rates as low as 12.24% APR*
✔ Earn 1 point for every $1 spent
TX Educators Rewards Credit Card
✔ Rates as low as 9.24% APR*
✔ Earn 1 point for every $1 spent
All GCEFCU Credit Cards Come With the Following Benefits
No Annual Fee or application fee
No Balance Transfer Fees on any debt you’d like to transfer to your new GCEFCU credit card
Tap To Pay feature available on all cards, making checkout quicker and more secure
0% Introductory APR* for your first 6 months, and a low variable rate after that
No Cash Advance Fees on cash advances done at any GCEFCU location
Apply Online and we’ll mail your card straight to you, or you can pick it up from any GCEFCU location
Visa Sweepstakes: When you make a qualifying purchase using an eligible community bank or credit union Visa® credit card issued by a participating bank or financial organization from November 1 – December 31, 2025, you are automatically entered for a chance to win a trip to Maui.*
Click For Credit Card Features
Card FeaturesCard Features
Our cards are designed to make everyday banking easier, safer, and more convenient. With built in security features, easy payment options, and smart tools to help you stay on top of your spending, you get everything you need in one reliable card. Whether you’re shopping in store, online, or on the go, enjoy the confidence and flexibility that comes with a card made for your life.
Digital IssuanceDigital Issuance® Credit Cards
To view your existing card information without having your physical card, click the “View Details” link in the Manage Cards widget of Online Banking or your Mobile App. Once your card has been digitally issued through this method, you can utilize it for digital purchases or manually add it to your mobile wallet without having the physical card present! Download our Mobile App today!
Traveling
Traveling With Visa® Credit Cards
You can now easily put in a travel exemption through our Mobile App under the card management tab. Download our Mobile App, or if you have questions, you can call us at (281) 487-9333.
Lost or StolenLost or Stolen Credit Cards
If you’ve misplaced your credit card but believe it’s still nearby, you can place a temporary block on your card using the Manage Cards feature in Online Banking or the Mobile App. When you find your card, simply toggle it back on. If your card has been stolen, you can also report it directly through card management.
Rates and Disclosures
Credit Card Rates
| Card Type | Base APR* | APR* Range |
|---|---|---|
| Visa® Classic | 12.24% | 8.99% - 18.00% |
| Visa® Rewards | 13.24% | 9.99% - 18.00% |
| Texas Educators Rewards | 10.24% | 6.99% - 16.99% |
*APR = Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. To view full credit card disclosures, click here.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases:
Visa® Classic: 8.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Rewards: 9.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Texas Educator Rewards: 6.99% – 16.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers:
Visa® Classic: 8.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Rewards: 9.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Texas Educator Rewards: 6.99% – 16.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash Advances:
Visa® Classic: 8.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® Rewards: 9.99% – 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Texas Educator Rewards: 6.99% – 16.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies:
Visa® Classic: None
Visa® Rewards: None
Texas Educator Rewards: None
*APR=Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification.
Credit Card Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | None |
| Account Set Up Fee | None |
| Program Fee | None |
| Participation Fee | None |
| Additional Card Fee | None |
| Application Fee | None |
| Balance Transfer | Free |
| Cash Transfer | $5.00 or 1.00% of the amount of each cash advance, whichever is greater. No fee if done in GCEFCU branch. |
| Foreign Transaction | 1.00% of each transaction in U.S. dollars. |
| Transaction Fee for Purchases | None |
| Late Payment | Up to $25 |
| Over the Credit Limit | None |
| Returned Payment Fee | Up to $25 |
Credit Card Details
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website by clicking here.
How We Will Calculate Your Balance
We use a method called “average daily balance (including new purchases).”
Effective Date
The information about the costs of the card described in this disclosure is accurate as of May 1, 2023. This information may have changed after that date. To find out what may have changed, contact Gulf Coast Educators Federal Credit Union.
To see full credit card disclosures, contact us.
Disclosures+ Show All | - Hide All
0% Introductory Rate *APR=Annual Percentage Rate
0% APR* on all new purchases to a new GCEFCU credit card for six months, beginning from the date of opening your card. After six months, your rate will convert to a variable APR* of 6.99% – 18.00% APR* based on your credit score. Actual rates may vary based upon credit qualifications and are subject to change without prior notification. This promotion is not valid for balance transfers or cash advances. This offer does not automatically approve you for a GCEFCU credit card. GCEFCU reserves the right to cancel this promotion at any time, for any reason. To view full credit card disclosures, contact us.
Visa Sweepstakes
NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE 2025 VISA® CREDIT SWEEPSTAKES FOR COMMUNITY INSTITUTIONS. Open only to legal 50 U.S./D.C. & PR residents who are 18 or older (or the age of majority in their place of residence, whichever is older) as of 11/1/25. Void in all other U.S. territories and possessions and where prohibited. Begins at 12:00 AM PT on 11/1/25 and ends at 11:59 PM PT on 12/31/25 (“Promotion Period”).
TO ENTER:
Automatic Entry: A participating community bank or credit union eligible Visa credit cardholder will automatically receive one (1) Sweepstakes entry for each qualifying Visa purchase made with his/her/their participating community bank or credit union eligible Visa credit card during the Promotion Period at a merchant location in the U.S. and processed through Visa’s transaction-processing system. The value of the transaction will not increase or decrease your chances of winning a prize. Only eligible Visa cards can receive automatic entries (for a list of participating community bank or credit union eligible Visa credit cards, visit http://www.visa.com/communitysweeps).
To Enter by Mail Without Purchase or Obligation: Hand-print your name, street address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), and email address, on plain 3″ x 5″ paper, and mail it in a #10 envelope with sufficient postage affixed, to: 2025 Visa Credit Sweepstakes for Community Institutions, P.O. Box 7749, Melville, NY 11775-7749. Mailed entries must be postmarked between 11/1/25 and 12/31/25, and received by 1/8/26. Enter as often as you wish; however, each mailed entry will count as one (1) entry into the random drawing and must be mailed in a separate postmarked-and-stamped envelope. Mechanical reproductions prohibited.
PRIZES:
One (1) Grand Prize: One (1) 6-day/5-night trip for two (2) people (winner and one (1) guest) to Maui, Hawaii. Prize includes round-trip economy class air transportation for two (2) people from a major gateway airport nearest the winner’s home to/from Maui, Hawaii, transportation to/from airport and hotel, use of a full-size rental car for 6 days, a 5-night stay (one (1) standard room, double occupancy) at a hotel designated by Sponsor in Maui, Hawaii, two (2) Sponsor-specified activities/tours (each for two (2) people), and one (1) $1,000 Visa Prepaid Product (for winner only) (collectively, the “Grand Prize Trip”). In addition to the aforementioned prize, $4,000 cash will be awarded in the form of a check to winner. ARV of Grand Prize: $13,500.
Fifty (50) First Prizes: One (1) $500 Visa Prepaid Product. ARV of each First Prize: $500.
Total ARV of all prizes: $38,500. All terms and conditions apply to Visa Prepaid Products. Limit one (1) prize per household.
ODDS:
Estimated odds of winning the Grand Prize are 1 in 200,106,250; estimated odds of winning a First Prize are 1 in 4,002,125; however, the actual odds of winning a prize depend upon the total number of eligible entries received. Sweepstakes subject to complete Official Rules. For complete details, see Official Rules available at Visa.com/CommunitySweeps.
SPONSOR:
Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999.