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PenFed Power Cash Rewards VISA Signature® Card
PenFed Power Cash Rewards VISA Signature® Card
- 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% Balance Transfer APR
- 17.99% Cash Advance APR
At a Glance
When you apply for the PenFed Power Cash Reward VISA Signature® from Pentagon Federal Credit Union, you may find yourself quoting the inimitable RZA to say, “Cash Back Rules Everything Around Me.” This versatile cash back credit card earns cash back for every purchase with no caps or limits. Cardholders can earn between 1.5% and 2% cash back (if they qualify) when they use their card on everyday purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 1.5% cash back on all purchases made with your card 2% cash back for PenFed Honors Advantage members
- 0% introductory APR on balance transfers for 12 months
- Earn a $100 statement credit when you spend $1,500 in the first 90 days
- No annual fees, no foreign transaction fees, no caps, no limits
- Regular Purchase APR: 17.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 17.99%
- Balance Transfer Transaction Fee: 3% of the transactio
- Cash Advance APR: 17.99%
- Penalty APR: 17.99%
- Late Payment Penalty Fee: Up to $28
- Return Payment Penalty Fee: Up to $25
- You want cash back on everyday purchases with no rotating categories
- You want to redeem rewards with flexibility either as a statement credit or deposited into a financial institution account
- You want to save on fees such as annual fees and foreign transaction fees
- You plan on spending an average of $2,500 a month to maximize annual rewards
PenFed Gold Visa® Card
PenFed Gold Visa® Card
- 16.99% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% Balance Transfer APR
- 17.99% Cash Advance APR
- 0% for the first 15 months from account opening date Intro Purchase APR
At a Glance
If minimizing the cost of carrying a credit card balance is at the forefront of your mind, consider the PenFed Gold Visa® Card which features PenFed’s lowest APR, no annual fee, plus no interest on balance transfers for the first 12 months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Lowest APR of PenFed credit cards
- No cash advance fees - ever
- 0% APR on balance transfer for 12 months
- Intro Purchase APR: 0% for the first 15 months from account opening date
- Regular Purchase APR: 16.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months from account opening date
- Balance Transfer APR: 17.99%
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 17.99%
- Penalty APR: 17.99%
- Late Payment Penalty Fee: Up to $28
- Return Payment Penalty Fee: Up to $25
- You typically carry a credit card balance
- You rely on cash advances to help make ends meet
- You are able to spend $1,000 within the first 90 days of opening an account
- You're already a PenFed member or are eligible to join the credit unio
Onyx Mastercard®
Onyx Mastercard®
- 9.50% to 17.50% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 9.50% to 17.50% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.50% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months Intro Purchase APR
At a Glance
Earn 2% cash back rewards and enjoy no hidden fees with the impressive Onyx Mastercard® from Texas Dow Employees Credit Union. The no annual fee card offers big credit limits, an even bigger rewards cap, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- No fees for balance transfers or cash advances
- Earn 2% on all eligible purchases
- Intro Purchase APR: 0% for 6 months
- Regular Purchase APR: 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 9.50% to 17.50% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 17.50% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You're a current member of TDECU or qualify for membership
- You have excellent credit
- You want a versatile rewards card that also doubles as a balance transfer credit card
- You do't want to pay an annual fee
PenFed Platinum Rewards VISA Signature® Card
PenFed Platinum Rewards VISA Signature® Card
- 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% Balance Transfer APR
- 17.99% Cash Advance APR
At a Glance
The PenFed Platinum Rewards VISA Signature® is big on gas and groceries; earn 5x points per dollar spent on purchases made at the pump, 3x points for grocery purchases, and 1x points for all other purchases. Take advantage of a great introductory offer – 0% APR for balance transfers for up to 12 months and a special bonus statement credit as you earn points on everyday purchases towards travel, shopping and gift cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X points per dollar spent on gas at the pump and EV charging stations and 3X points on groceries. 1X points on all other purchases
- 15,000 bonus points when you spend $1,500 in first 90 days of card account opening
- 0% intro APR on balance transfers for 12 months after account opening
- No annual fees and no foreign transaction fees
- Regular Purchase APR: 17.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 17.99%
- Balance Transfer Transaction Fee: 3% of the transfer amount
- Cash Advance APR: 17.99%
- Penalty APR: 17.99%
- Late Payment Penalty Fee: Up to $28
- Return Payment Penalty Fee: Up to $25
- You spend money on gas and groceries often
- You will spend $1,500 in the first 90 days to earn a 15,000 bonus points
- You want a card with no annual fees and no foreign transaction fees
- You want to transfer a large balance with no interest for 12 months
Family Security Student Visa Card
Family Security Student Visa Card
- See Terms* Regular Purchase APR
- See Terms* Balance Transfer APR
- See Terms* Cash Advance APR
At a Glance
The Family Security Student Visa Card is a student credit card for those new to credit. Offered through Family Security Credit Union in Alabama, the card features manageable credit limits, no annual fee, and no fees for balance transfers or cash advances.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Build credit with financial responsibility
- No balance transfer fees
- Regular Purchase APR: See Terms*
- Balance Transfer APR: See Terms*
- Cash Advance APR: See Terms*
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: $25
- You're new to credit cards and want to learn financial responsibility
- You want an easy to manage credit limit
- You're under 18 but still need a credit card for occasional purchases
- You do't want to pay an annual fee
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What Is a Credit Union?
Credit unions are community banks and financial institutions. These community banks are entirely member-owned and operated and are designed to serve the best interests of those members. Credit unions, like traditional banks, offer a wide variety of financial products and services, including savings accounts, checking accounts, mortgages, car loans, and credit cards.
How Do Credit Unions Differ from Traditional Banks?
While credit unions offer many of the same financial products and services of traditional banks, they differ in some key respects.
As previously mentioned, the members of the union own each credit union. This unique ownership structure means that credit unions are designed to benefit members over stockholders. Credit unions are non-profit organizations, meaning when a credit union prospers, so do the members. If, for example, a union sees an unexpected influx of fresh capital in a calendar year, the members of the credit unions – including credit card holders – would likely see a drop in interest rates and fees – another advantage of credit unions over traditional banks.
How Many Credit Unions Are There in the United States?
Those 5,000+ credit unions serve over 123 million (that’s 123,000,000+) members – meaning no matter where you are in the U.S. there is a credit union (or Federal credit union) to serve your needs. Here’s a breakdown on some of the latest credit union statistics:
| Credit Unions in United States | Credit Union Growth | Total Assets (Est.) |
| 5,288 | +1.6% | $2.17T |
Pros & Cons of Credit Union Credit Cards
| Pros | Cons |
| Lower APR and fees than bigger banks | Requires becoming a member of the credit union |
| Relaxed eligibility requirements | Eligibility requirements might make joining difficult or impossible |
| Customer service is typically excellent, as members are the owners | Customer service hours may be limited vs. big banks |
| Fewer fees | Typically smaller rewards |
What Benefits do Credit Union Credit Cards Offer?
Credit unions are smaller entities that only accept credit card applications from members – they are also member-owned and operated. Because of their smaller size, and their member-oriented nature, credit unions can typically give credit card applicants much lower interest rates than major credit card issuers and lenders
| ① Low APR | Typically, many low APR credit cards from credit unions are several points lower on average than a comparable low APR card from a larger lender. These low rates make credit union cards ideal for carrying a balance. Many cards also feature a low – or no – balance transfer fee. This combination of no fees and a low ongoing APR make credit unions particularly appealing to many consumers. |
| ② 0% Intro APR | The same is also often true for 0% intro APR cards and even cashback rewards cards. Credit union cards also usually offer reduced fees for balance transfers, cash advances, late payments, and other nominal charges, making them a better option for many if they plan to make a late payment. |
| ③ No annual fee | Credit unions are also far less likely to charge an annual fee versus a traditional bank. According to the NCUAB, only about one in ten credit unions charge an annual fee for their credit cards, compared to nearly half of all other credit card issuers. |
| ④ ATM access | One final area where credit unions excel versus traditional banks is the sheer number of available ATMs across the United States. As credit unions are cooperatives, they work together with other unions to create a seamless experience for their members across the country. As a result, there are currently over 28,000 ATMs nationwide available for those who are members of a credit union. |
What Are the Drawbacks of a Credit Union Credit Card?
Credit union cards offer significant value to many credit card consumers – especially when it comes to securing a great interest rate. However, there are some drawbacks to credit union cards as well. These drawbacks are most closely associated with the low-interest rates these community banks offer.
| ① Fewer card options for bad credit | Credit unions tend to offer fewer credit products than larger banks, making it much more difficult for those with less than perfect credit to get accepted for a credit card. Because of the low APR rates and relatively small cash reserves of credit unions, they are more likely to expect an applicant to have excellent credit or at least good to very good credit. |
| ② Eligibility requirements | Before you take the time to apply for a credit union credit card, be sure to check your credit score to ensure you meet the credit needed requirements – merely being a member isn’t enough. That said, sometimes joining a credit union can be tricky – make sure you are eligible first. |
| ③ Smaller welcome bonuses | Credit unions are member owned, meaning you can expect the lowest rate possible on credit cards and loans. But the members-first approach often means smaller intro bonuses on cards. |
| ④ Longer application process | Because credit unions require joining the union before applying, many credit card applications take significantly longer than applications with bigger banks. |
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