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Showing 145 Cards
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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 don't want to pay an annual fee
Wescom Bruin Edge Visa® Credit Card

Wescom Bruin Edge Visa® Credit Card
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Wescom Bruin Edge Visa® Credit Card offers Bruin fans the chance to earn lucrative rewards on select UCLA purchases, including campus eateries and single event UCLA ticket purchases. The card also offers two 0% intro APR periods, a 50,000-point sign-up bonus, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 5X points on select UCLA purchases
- Earn 1.5X points on all other purchases
- 0% intro APR for 6 months on purchases and balance transfers
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $2 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
- You want a card with no annual fee
- You don’t want to pay a foreign transaction fee
- You expect to make at least $2,500 in purchases in the first three months
- You want to pay down a small balance in the first six months
- You frequently attend UCLA Bruin sporting events
Valley Strong Visa Platinum Card


Valley Strong Visa Platinum Card
- 12.25% to 17.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.25% to 17.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.25% to 17.9% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Valley Strong Visa Platinum Card is one of two credit cards that Valley Strong Credit Union offers its members. This credit card features no annual fee and no fees on balance transfers. In addition, cardholders can take advantage of a lower-than-average interest rate. Keep reading to learn more about the details of this card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer fee
- Competitive interest rates
- Roadside dispatch
- Regular Purchase APR: 12.25% to 17.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.25% to 17.9% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.25% to 17.9% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $10
- Return Payment Penalty Fee: $15
- You're already a member of Valley Strong Credit Union or related to a member
- You live and/or work in several Central California counties
- You don’t want to pay an annual fee
- You don’t want to pay fees for balance transfers
SLFCU Visa Signature Business Card


SLFCU Visa Signature Business Card
- 12.50% variable based on the Prime Rate Regular Purchase APR
- 12.50% variable based on the Prime Rate Balance Transfer APR
- 12.50% variable based on the Prime Rate Cash Advance APR
At a Glance
The SLFCU Visa Signature Business from Sandia Laboratory Federal Credit Union is a business credit card that offers a yearly 1% rebate on purchases and a low APR every day. The card also features no annual membership fee, no fee for balance transfers, and the benefits and protections that come from a Visa Signature Business credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 1.00% year-end rebate on purchases
- No annual fee
- No balance transfer fees
- Regular Purchase APR: 12.50% variable based on the Prime Rate
- Balance Transfer APR: 12.50% variable based on the Prime Rate
- Cash Advance APR: 12.50% variable based on the Prime Rate
- Cash Advance Transaction Fee: $5
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $25
- Over Limit Penalty Fee: $25
- You already bank with Sandia Laboratory Federal Credit Union
- You want a low APR and basic cash back each year
- You want Visa Signature travel protections
- You plan to issue additional employee cards to maximize your rewards rebate
PEFCU Visa Card


PEFCU Visa Card
- 9.90%, 10.50%, or 10.90% Regular Purchase APR
- 9.90%, 10.50%, or 10.90% Balance Transfer APR
- 9.90%, 10.50%, or 10.90% Cash Advance APR
At a Glance
Publix is an institution in Florida, famous for its excellent customer service. The PEFCU Visa Card rewards Publix employees – the brand’s public face – with low rates and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer fees
- Visa Platinum benefits
- Regular Purchase APR: 9.90%, 10.50%, or 10.90%
- Balance Transfer APR: 9.90%, 10.50%, or 10.90%
- Cash Advance APR: 9.90%, 10.50%, or 10.90%
- Cash Advance Transaction Fee: See terms
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: See terms
- You're an existing Publix employee in Florida, Alabama, Georgia, Tennessee, Virginia, or the Carolinas
- You prefer an exceptionally low APR for longer-term savings on interest
- You plan to carry a balance or pay down existing balances
- You don't want to pay an annual fee
You've viewed 5 of 145 credit cards
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. |