All GCEFCU Credit Cards come with the following benefits:

  • No Annual Fee or application fee
  • 0% Introductory APR* for your first 6 months, and a low variable rate after that
  • No Balance Transfer Fees on any debt you’d like to transfer to your new GCEFCU credit card
  • No Cash Advance Fees on cash advances done at any GCEFCU location
  • Tap To Pay feature available on all cards, making checkout quicker and more secure.
  • 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.*

Full Rules and Qualiftications Click Here

Choose the card that best fits your needs:

Classic Credit Card

✔ Rates as low as 11.24% APR*

Rewards Credit Card Image

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
✔ Click here to learn more

Apply for a Credit Card

CREDIT CARD FEATURES AND RESOURCES

Features

Choose the card that fits your needs

We have three Visa Credit Cards – Classic, Rewards, and Texas Educators Rewards. All cards feature the following:

  • No annual fee
  • Low rates to save our members money
  • No fee on cash advances done in GCEFCU branches
  • No fee balance transfers
  • EMV chips for added security
  • Tap to pay feature
  • Printed in branch like our debit cards to save you time
  • Will show up in online banking with no need to log into a different system
  • Transfer funds online to the credit card account to make payments
  • Compatible with Apple, Samsung, and Android Pay for added convenience
  • On rewards card, earn 1 point for every $1 in purchases. Redeem for travel, merchandise or gift cards.

Balance Transfers

To complete a balance transfer follow these simple steps:

  1. Obtain your balance transfer amount from your credit card statement or by logging into your credit card’s online system.
  2. Use the credit union’s digital banking system to transfer the amount needed for your balance transfer from your Gulf Coast Educators Visa Credit Card to your savings or checking account. Alternately, you can call us and our team members can complete the transfer on your behalf.
  3. Send payment to the credit card in the manner you normally do.

Earn Points For Your Purchases

If you have a GCEFCU VISA Rewards or Texas Educators Rewards Credit Card, you can earn points for every dollar you spend using your credit card. Those points can be redeemed for travel, merchandise gift cards, or even cold hard cash. You can redeem those rewards by logging into your online banking. Click here to learn more.

Lost or Stolen Credit Cards

If you misplaced your credit card but believe it is still in your possession, you can place a temporary block on your card through the Manage Cards widget in online banking or your mobile app. Simply turn back on whenever you are ready!
Card Block IMG
We do have an outsourced Visa Fraud system that does make calls to help our members prevent fraud on their accounts. The legitimate calls will never ask for sensitive information.

Additional Information for those with lost or stolen wallets:

Cancel your credit cards immediately. Keep your credit card account numbers and their telephone numbers in a safe place so you will have all of your credit card information handy. Having to find all of your credit card telephone numbers and account numbers at this point would only add additional stress to your already stressful situation.

Call the 3 national credit bureaus and place a fraud alert on your name and social security number. This alert will notify any company checking your credit that your information was stolen and that they have to contact you by phone to authorize new credit. Here are the credit bureau fraud lines. Social security also has a fraud line.

  • Equifax 1.888.766.0008
  • Experian 1.888.397.3742
  • TransUnion 1.800.680.7289
  • Social Security 1.800.269.0271

Notify your financial institution so they can place a notation on your account. If your checkbook was stolen, you may want to place stop payments on the blank checks that were taken.

File a police report immediately in the jurisdiction where your purse or wallet was stolen. This is the first step toward an investigation if there is one and it lets creditors know that you were diligent in your efforts.

We hope that you are never faced with this situation, but if you are, this information may be beneficial to you. Be sure to record your credit card information. Keep this copy in a safe place, somewhere other than your wallet or purse.

Traveling with VISA® Credit Cards

You can now easily put in a travel exemption through our Mobile App under the card management tab. Questions? Call us at 281-487-9333.
Card Controls-Block IMG

Manage Card Alerts and Controls® Credit Cards

  • To set up text or push alerts for card usage, click the “Manage Card Alerts” setting in the Manage Cards widget of online banking or your mobile app.
  • To set up card controls to block or enable specific transactions, click the “Manage Card Controls” setting in the Manage Cards widgets of online banking or your mobile app.
Card Management IMG

Digital 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!
Card Management IMG

Rates & Disclosures

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, click here.

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: 1) 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). 2) 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.

Click here for current loan rates.

GULF COAST EDUCATORS VISA CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE

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

Credit Card Fees

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 Advance – $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 website of the Consumer Financial Protection Bureau 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, click here.

*APR=Annual Percentage Rate. Actual rates may vary based upon credit qualifications and are subject to change without prior notification.

Credit Card Rates

Card TypeBase APR*APR* Range
VISA Classic11.24%8.99% - 18.00%
VISA Rewards12.24%9.99% - 18.00%
Texas Educators Rewards9.24%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.