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Compare the Best Credit Union Credit Cards

Finding the best credit union credit card can be challenging given the many options out there. Bestcards.com’s comprehensive reviews of credit union credit cards can help you find the ideal offer. Peruse the list below to find your perfect credit union card today.

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Total Cards 133

August 15, 2018

USAA® Rewards™ Visa Signature® Card

2X Points on Gas & Dining, 1X Point Everywhere Else

USAA® Rewards™ Visa Signature® Card
  • Regular Purchase APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 2X points on dining and gas, 1X points on all other purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stolen
Rates & Fees
  • Regular Purchase APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 11.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 15, 2018

USAA® Preferred Cash Rewards Visa Signature® Card

Unlimited 1.5% Cash Back

USAA® Preferred Cash Rewards Visa Signature® Card
  • Regular Purchase APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Easy, Unlimited 1.5% Cash Back on Purchases
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • Manage your account with tools to help you transfer balances, set travel notifications and report your card lost or stolen
Rates & Fees
  • Regular Purchase APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 16, 2018

USAA® Cashback Rewards Plus American Express® Card

Earn up to 5% Cash Back

USAA® Cashback Rewards Plus American Express® Card
  • Regular Purchase APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Earn a $150 bonus after you make $500 in Qualifying Purchases within the first 90 days of opening your account
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturers warranty at no extra cost
Rates & Fees
  • Regular Purchase APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 13.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 28, 2018

USAA® Rewards™ American Express® Card

Earn up to 3X USAA Rewards™ Points

USAA® Rewards™ American Express® Card
  • Regular Purchase APR 11.40% to 27.40% variable based on creditworthiness
  • Balance Transfer APR 11.40% to 27.40% variable based on creditworthiness
  • Cash Advance APR 11.40% to 27.40% variable based on creditworthiness
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Unlimited Points — 3X points for dining out, 2X points on gas and groceries, and 1X points for every dollar spent on other purchases
  • Special 4% SCRA Rate — When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty
  • Added Protection — We help give you peace of mind with: Experienced support if your identity is stolen, extended warranties on your purchases, and travel accident and baggage delay insurance
  • Pay no foreign transaction fees when you travel outside the U.S.
Rates & Fees
  • Regular Purchase APR: 11.40% to 27.40% variable based on creditworthiness
  • Balance Transfer APR: 11.40% to 27.40% variable based on creditworthiness
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 11.40% to 27.40% variable based on creditworthiness
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 29, 2018

USAA Rate Advantage Visa Platinum® Card

One of the Lowest Interest Rates

USAA Rate Advantage Visa Platinum® Card
  • Regular Purchase APR 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Pay no foreign transaction fees when you travel outside the U.S.
  • Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
  • Extend your manufacturer's or U.S. store-brand warranties
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 8.40% to 25.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 29, 2018

USAA Military Affiliate American Express® Card

0% APR for 12 Months on Balance Transfers

USAA Military Affiliate American Express® Card
  • Regular Purchase APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network American Express
Best Benefits
  • 2,500 bonus points credited to your account with your first purchase
  • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
  • Identity theft resolutions services provides assistance should you become the victim of identity theft
  • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year
Rates & Fees
  • Regular Purchase APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 months from account opening
  • Balance Transfer APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
  • Cash Advance APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

August 29, 2018

USAA Military Affiliate Visa Signature® Card

0% APR for 12 Months on Balance Transfers

USAA Military Affiliate Visa Signature® Card
  • Regular Purchase APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
Best Benefits
  • 2,500 bonus points credited to your account with your first purchase
  • Collision damage waiver coverage pays for physical damage and theft to most rental vehicles
  • Identity theft resolutions services provides assistance should you become the victim of identity theft
  • Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year
Rates & Fees
  • Regular Purchase APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 months from account opening
  • Balance Transfer APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer (maximum fee per transfer $200)
  • Cash Advance APR: 12.40% to 27.40% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: 3% of the amount of each cash advance (maximum fee for each convenience check: $200). Fee waived when transferring funds electronically to a USAA deposit account
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35

July 05, 2019

Bethpage Mastercard® Be You Rewards Credit Card

25,000 Bonus Points

Bethpage Mastercard® Be You Rewards Credit Card
  • Regular Purchase APR 12.90% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.90% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.905% to 18% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 25,000 promotional points when you spend $3,000 within 90 days of opening your account
  • 3X points for every $1 spent in one category of your choice
  • 2X points for every $1 spent on all purchases
  • No foreign transaction fees
  • No balance transfer fees
Rates & Fees
  • Regular Purchase APR: 12.90% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.90% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 12.905% to 18% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 18%
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $25

August 01, 2019

Golden 1 Platinum Rewards Visa® Card

Low APR Cash Back Rewards

Golden 1 Platinum Rewards Visa® Card
  • Regular Purchase APR 9.29% to 15.29%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.29% to 15.29%, based on creditworthiness and the Prime Rate
  • Cash Advance APR 9.29% to 15.29%and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 3% cash rebate on gas, grocery, and restaurant purchases
  • Earn 1% cash rebate on all other purchases
  • Extremely low APR for a personal credit card
Rates & Fees
  • Regular Purchase APR: 9.29% to 15.29%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.29% to 15.29%, based on creditworthiness and the Prime Rate
  • Cash Advance APR: 9.29% to 15.29%and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 2.5% of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 1% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $25

August 01, 2019

Golden 1 Platinum Rewards for Students Visa® Card

Students Can Earn Cash Back Rewards

Golden 1 Platinum Rewards for Students Visa® Card
  • Regular Purchase APR 15.29% based on the Prime Rate
  • Balance Transfer APR 15.29% based on the Prime Rate
  • Cash Advance APR 15.29%, based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 3% cash rebate on gas, grocery, and restaurant purchases
  • 1% cash rebate on all other purchases
  • Up to $2,000 credit limit
Rates & Fees
  • Regular Purchase APR: 15.29% based on the Prime Rate
  • Balance Transfer APR: 15.29% based on the Prime Rate
  • Cash Advance APR: 15.29%, based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 1% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $15
  • Return Payment Penalty Fee: Up to $25

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What Is a Credit Union?

Credit unions are community-based 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.

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.

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. The same is also often true for 0% introductory 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.

One of the reasons that credit union credit cards offer better interest rates than credit cards from major lenders is that federal law mandates they have lower rates. According to federal law, federal credit unions cannot have interest rates for loans above 15%, though, in reality, the National Credit Union Administration Board (NCUAB) has permission to raise rates if needed – currently capped at 18%. While loans are not the same as credit lines, they play an essential role in shaping how interest rates are calculated under federal law.

18% APR for purchases, balance transfers, and cash advances is, therefore, the highest end of the spectrum for credit union credit cards, meaning they offer significant value to those who don’t have perfect credit but still want an exceptional interest rate. In comparison, the average APR for a similarly marketed credit product from a major lender will likely have an interest rate at – or above – 20% for those with less than perfect credit.

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.

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. Unfortunately, however, there are some drawbacks with credit union cards as well. These drawbacks are most closely associated with the low-interest rates these community banks offer.

Fewer Options for People with 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. 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.

While the options for credit card products are limited to credit unions, there are still credit card options for people with bad credit. Some credit unions, such as Golden 1 in Northern California, offer very good secured credit cards, like the Golden 1 Platinum Secured Visa Card. Secured credit cards are an excellent option for those looking to rebuild their credit score or establish a credit history.

Approval Hurdles

One of the most common problems with credit union credit cards that people fail to take account of is that credit unions are member-owned clubs. Because of this fact, credit cards from credit unions are only open to fellow union members. There are a wide variety of credit unions out there, but most are either tied to a single employer or armed service branch, or a specific geographic area. Before you apply for that dream card, therefore, make sure that the credit union that offers it is open to your membership.

Types of Credit Union Cards

Credit union cards, much like traditional lender credit cards, come in all shapes and sizes.  There are credit union cards to suit every need, including those who travel, students, and even businesses.

  • Credit Union Rewards Cards – Rewards credit cards offer perks for making purchases with the card. Rewards may be for everyday items, such as groceries or gas, or for purchases made with leading retailers worldwide.
  • Credit Union Travel Rewards Cards – Like a rewards card, a travel rewards credit card offers perks and rewards for the frequent world explorer. Travel rewards can include airline miles and perks, hotel points and perks, or all-around travel savings when using the card. Unlike larger lenders, credit union travel rewards cards aren’t typically co-branded, meaning they won’t offer rewards for one particular airline or alliance, but rather miles that can be applied to a variety of programs.
  • Credit Union Cash Back Cards – As with other lenders, cashback rewards cards from credit unions are a great way to get money back for regularly using your credit card to make purchases.
  • Credit Union Student Cards – Student credit cards are a great way for students to build their credit history while still in school.
  • Credit Union Secured Credit Cards – Like student cards, secured credit cards are a great way to rebuild credit or establish a credit score. Secured credit cards require a deposit, which acts as the credit limit.
  • Credit Union Business Cards – As they are as much a part of the local community as many local businesses, business credit cards from a credit union are the perfect choice for small to medium-sized companies. Credit union cards offer businesses the flexibility ad financial resources they need to succeed, along with the understanding that comes with a local financial partner.

Browse Credit Cards from the Leading Credit Unions

Looking for the best credit card offers from the leading credit unions in the United States? BestCards has impartial reviews of the top credit union credit card offerings in every category imaginable. Ready to get started? Let us help you find your best card today!