Credit Cards

Personal Credit Cards

We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Card. It's the only card you need for everything you need to do. Apple Pay and Samsung Pay available.

Application

Submit application via: Fax (877) 809-9162 or deliver to any GSB branch

*Customers who use HOMEBanker can apply for a GSB credit card directly online from the main menu options.

Consumer Credit Card Programs
Low Rate Card

  • Available to all applicants. Reward points are not available for this product. 
  • Intro Rate of 2.9% APR* for the first 6 months
  • Standard rate after intro is Prime + 6.99% APR.
  • 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.
  • MasterCard Benefits of rental car collision damage waiver protection and travel insurance.

Preferred Points Card

  • Available to all applicants. Earn points to redeem for rewards. One point for each dollar spent up to 10,000 points / month.
  • Intro Rate of 2.9% APR* for the first 6 months
  • 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.
  • 25 day grace period for purchases. No grace period for cash advances or cash equivalent transactions.
  • MasterCard Benefits of rental car collision damage waiver protection and travel insurance. 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.

Reward Program

Reward options
Online Access (or call 1-866-678-5191)  Video Tips for College Student

Customer Service

Online Access/Make Payment
Card Benefits
1-800-367-7576 (24-hour Cardholder customer service)


Use this calculator to help determine what it will take to pay off your credit card balance.


*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%.

Why GSB?

Experience banking with products and services that focus on your unique needs and goals, not on commissions. That’s a better way.

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