Use your TX Educators Rewards Credit Card every day to enter to win

Texas Educators Rewards Credit Card

The next time you have dinner delivered, pay a bill online, or make an indulgent Amazon purchase, be sure to use your Texas Educators Rewards Credit Card. Every transaction you make will enter you into a drawing to have your entire purchase amount refunded back to you, up to $500. There is a new winner every week, so keep using your card to be entered to win.

Easy ways to use your card:

  • Set up your Mobile Wallet so you can use your credit card while making purchases from your phone using Apple Pay, Google Pay, or Samsung Pay. Instructions on how to set up your mobile wallet are included below.
  • Add your credit card to your PayPal account. Instructions are included below.
  • Set your bills up to be paid automatically with your credit card.
  • Link your credit card to your Amazon account so that you can make easy online purchases.
Giving Season Explanation

A new winner will be drawn every week November 1 – 30, 2021!


Apply Today: Texas Educators Rewards Credit Card

The Texas Educators Rewards Credit Card is available for all school employees in the state of Texas. See all the great benefits below.
educators credit card image

  • 0% Interest Rate for your first 6 months, with a fixed rate as low as 6.99% APR* after that
  • Earn Rewards for every dollar you spend
  • No Fees on Cash Advances done at a GCEFCU branch
  • No Balance Transfer Fees on any previous credit card debt you’d like to transfer to your new GCEFCU credit card
  • No Annual Fee or application fee
  • Apply Online and we’ll mail your card straight to you, or you can pick it up from any GCEFCU location


Setting Up Your Mobile Wallet

Setting Up Your Mobile Wallet

With your mobile wallet, you can pay for purchases online and in person, straight from your phone. First, you must add your credit card to your mobile wallet app. Which app you use will depend on which phone device you currently have. Select the type of mobile device you will be using below for step by step instructions.

Apple Pay

Visa + Apple Pay. Pay confidently with Visa. Now you can enjoy all the benefits of your Gulf Coast Educators FCU Visa® debit or credit card using Apple Pay. Set up is simple. Click the Learn More button to learn how to add your card to your iPhone,® Apple Watch, or iPad.®

Google Pay

Tap to pay with Visa via Google Pay. Using your Gulf Coast Educators FCU Visa® debit or credit card via Google Pay is quick and easy. Just add your card to Google Pay and look for the Contactless Symbol at checkout.

Samsung Pay

Turn Your Phone Into A Wallet. Samsung Pay makes transactions easy. Simply download the app, secure with authentication (either your fingerprint or passcode) and hover over the card reader to pay.


Make it Visa when you pay with PayPal. Make your Gulf Coast Educators FCU Visa debit or credit card your preferred way to pay when you check out with PayPal. It’s a quick and easy way to enjoy the benefits of your card on your PayPal online purchases.

Terms & Conditions

Terms & Conditions

Must be a GCEFCU member in good standing to win. Promotional period is November 1-30, 2021. Each week during the promotional period, one GCEFCU Texas Educators Rewards Credit Card transaction will be drawn at random from all transactions processed that week. Cardholder will have their entire transaction amount up to $500.00 credited back to their credit card. Winners will be drawn November 10, November 17, November 24, and December 1, 2021. GCEFCU reserves the right to cancel this promotion at any time. No purchase necessary to win.

Giving Season Official Rules & Qualifications

1. ELIGIBILITY: All Gulf Coast Educators FCU Members in good standing are eligible. No purchase or obligation necessary to enter or to receive any prize. Entrants must be legal U.S. residents and 18 years of age or older at time of entry in the sweepstakes. Prize is non-transferable. Sweepstakes is subject to all applicable federal, state and local laws and regulations and is void where prohibited bylaw.

2. PROMOTIONAL PERIOD: The Sweepstakes dates are November 1 – 30, 2021.

3. TWO WAYS TO ENTER: 1: During the promotion period, eligible members who perform at least one transaction on their Gulf Coast Educators FCU Texas Educators Rewards credit card will be automatically entered in the sweepstakes weekly drawing to win their purchase amount credited back to their credit card, up to $500. 2: To enter the sweepstakes without performing a credit card transaction, clearly print your name, address, telephone number and the words “Giving Season” Sweepstakes on a 3″ x 5″ card and mail the card to: Giving Season Sweepstakes, Gulf Coast Educators Federal Credit Union, 5953 Fairmont Parkway, Pasadena, Texas 77505. Entries must be mailed in order to be received by sponsor on or before the last day of each month in the sweepstakes deadline for the prize drawing. Sponsor is not responsible for misdirected, damaged, illegible, postage-due or incomplete entries not received by the deadline. Members may mail as many entry cards as they wish. MEMBERS WHO ARE ENTERED AUTOMATICALLY BY PERFORMING A CREDIT CARD TRANSACTION AS DESCRIBED ABOVE AND MEMBERS WHO ENTER BY MAIL SHALL HA VE THE SAME ODDS OF WINNING.

4. GENERAL CONDITIONS: By participating, you agree to be fully and unconditionally bound by these Official Rules & Qualifications, and you represent and warrant that you meet the eligibility requirements set forth herein. Decisions made by Sponsor are final. By entering the sweepstakes, you agree to be bound by the decisions of Sponsor and these Official Rules & Qualifications. You and your entries may be disqualified if you attempt to circumvent the Official Rules & Qualifications. The sweepstakes is subject to all applicable federal, state and local laws. Winners who are of legal age, by entering the sweepstakes, agree to grant the Sponsor the right to print, publish, broadcast and use, in any media including, but not limited to, the World Wide Web, at any time or times, their names and pictures for Sponsor’s advertising and promotional purposes without additional consideration. Further, by accepting a sweepstakes prize, winners agree to release Sponsor from any and all liability arising from acceptance, possession, use loss or misuse of the prize.

5. DRAWING: Eligible entries automatically generated and those received by the deadline by mail will be eligible for a chance to win up to $500 to be given at the end of each week during the promotion period. The weekly prize drawings will be held on the following dates at the Sponsor’s main office at 5953 Fairmont Parkway, Pasadena, Texas by 4:00 pm CST: November 10, November 17, November 27, and December 1, 2021.

6. ODDS OF WINNING & TAX LIABILITY: Odds of winning depend on the total number of entries automatically generated and those received by mail by 5:00 pm CST on the sweepstakes deadlines. Need not be present to win. Prize winner is responsible for any and all applicable federal and state income taxes associated with the awarding of the prizes. Sponsor may be required to file a 1099-MISC tax form in the name of the winner of the Grand Prize for the value of the prize. The cash value of the Grand Prize may be needed on the federal tax return of the winner as taxable income. Please consult your tax advisor.

7. GRAND PRIZE DESCRIPTION: Winners that were entered by completing a credit card transaction will receive their transaction amount credited back to their credit card, up to $500. Winners that were entered by mail will receive a cash deposit into their account, in which the amount will be determined by randomly selecting a cleared transaction from the promotional period, up to $500.

8. WINNER NOTIFICATION: Winners of the weekly prize will be notified by telephone and/or e-mail and will be required to complete, sign and return a Sponsor-supplied Affidavit of Eligibility/Liability Release/Publicity Release form within 14 days of being informed they are the winner. Failure to do so will result in forfeiture of the prize and a new winner will be selected by random drawing from all eligible entries. Sponsor shall have no liability for the winner’s failure to receive notices due to winners’ spam, junk e-mail or other security setting or for winners’ provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is found to be ineligible, fails to claim their prize within 14 days from the time an award notification was sent to winner, or fails to timely return a completed and executed declaration and releases as required, prize may be forfeited and an alternate winner selected.

9. PUBLICITY: Each winner agrees to permit Sponsor to utilize his/her name and likeness in promotional and other Sponsor materials, without additional compensation or permission, except where prohibited by law.

10. LIMITATIONS OF LIABILITY: Sponsor is not responsible for any injury, loss or damage or any other liability of any kind resulting from use of a prize won from Sponsor in this sweepstakes.
The promotion and drawing are governed by these Official Rules & Qualifications and the laws of the State of Texas. Any dispute regarding the sweepstakes shall be resolved only in a state or federal court location in or near Pasadena, Texas.

11. WINNER’S NAME: For the name of the monthly winners, send a stamped, self-addressed envelope to: Giving Season Sweepstakes, Gulf Coast Educators Federal Credit Union, 5953 Fairmont Parkway, Pasadena, Texas 77505. Requests for the list of winner’s names must be received by November 30, 2021.

Rates & Disclosures

Credit Card Rates

Click here for current loan rates.

Credit Card Disclosures


Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases
6.99% to 18.00% based on your creditworthiness.
Annual Percentage Rate
(APR) for Balance Transfers
6.99% to 18.00% based on your creditworthiness.
Annual Percentage Rate
(APR) for Cash Advances
6.99% to 18.00% based on your creditworthiness.

Credit Card Fees

Annual Fee – None
Balance Transfer – Free
Cash Advance – 1% or $5.00 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.
Late Payment – $25
Over-the-Credit-Limit – $25
Returned Payment Fee – $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 at

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 April 1, 2021.  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. 0% APR* on all new purchases and balance transfers 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 standard APR* of 6.99% – 18.00% APR* based on your credit score. 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.