Filter Options
×-
-
Unselect all
-
Unselect all
-
Unselect all
Showing 149 Cards
Sort By Column Name:
SchoolsFirst FCU School Employee Mastercard®
SchoolsFirst FCU School Employee Mastercard®
- 11.75% to 17.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.75% to 17.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.75% to 17.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The SchoolsFirst FCU School Employee Mastercard is an exceptional cash back credit card that provides special payment terms for educators and school employees. The card offers 1.5% cash back on all purchases and features no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% cash back on purchases — deposited into your Summer Saver account
- Enjoy an interest-only payment option during the summer when you may not be working or getting a paycheck
- Ability to skip your December billing cycle without credit score being impacted
- Automatically get a 0.50% lower rate for every year you make on-time payments
- Regular Purchase APR: 11.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 11.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- You are a school employee
- You prefer the freedom to opt for interest-only payments in the summer months
- You plan to use cash back rewards towards direct deposits
- You do't want to pay an annual fee
Space Coast Savings-Secured Visa® Credit Card
Space Coast Savings-Secured Visa® Credit Card
- 18.00% variable based on the Prime Rate Regular Purchase APR
- 18.00% variable based on the Prime Rate Balance Transfer APR
- 5.99% for 6 months from account opening date. Then 18.00 variable% Cash Advance APR
- 5.99% for 6 months from account opening date Intro Purchase APR
At a Glance
The Space Coast Savings-Secured Visa® Credit Card is a great way to rebuild damaged credit. Offered by Space Coast Credit Union in Florida, the card features an introductory APR for the first six months, followed by a fixed APR after that. The card also earns 1% cashback for every eligible purchase, which is a nice feature not found on many other secured cards. No annual fee is another great feature, meaning you don’t have to pay fees for the privilege of rebuilding credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Roadside Assistance
- Build credit with responsible use
- Visa Zero Liability Protectio
- Intro Purchase APR: 5.99% for 6 months from account opening date
- Regular Purchase APR: 18.00% variable based on the Prime Rate
- Intro Balance Transfer APR: 5.99% for 6 months from account opening date
- Balance Transfer APR: 18.00% variable based on the Prime Rate
- Cash Advance APR: 5.99% for 6 months from account opening date. Then 18.00 variable%
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
- Minimum Deposit Required: Please see terms
- You need to rebuild your credit score
- You're new to credit and struggle to get an unsecured card
- You want to earn rewards as you establish good credit practices
- You do't want to pay an annual fee
USAA® Rewards™ Visa Signature® Card
USAA® Rewards™ Visa Signature® Card
- 14.9% to 30.9% variable based on creditworthiness Regular Purchase APR
- 14.9% to 30.9% variable based on creditworthiness Balance Transfer APR
- 14.9% to 30.9% variable based on creditworthiness Cash Advance APR
At a Glance
The USAA® Rewards™ Visa Signature® Card is the ideal rewards credit card for anyone looking to receive rewards points based on their gas and dining purchases. These rewards points can eventually be redeemed for great perks, such as plane tickets, cruises, cash, or gift cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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 stole
- Regular Purchase APR: 14.9% to 30.9% variable based on creditworthiness
- Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
- Balance Transfer APR: 14.9% to 30.9% variable based on creditworthiness
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 14.9% to 30.9% 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
- You're in the U.S. military or are related to someone in the U.S. military
- You frequently dine out or spend money on gas
- You don’t want to pay an annual fee
- You do't want to pay foreign transaction fees when you use you card abroad
CCU Business Visa Platinum
CCU Business Visa Platinum
- 13.70% to 23.70% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.70% to 23.70% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.70% to 23.70% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The CCU Business Visa Platinum Card is a no-sense business credit card from Consumers Credit Union. The card features a highly competitive APR, complimentary employee cards, and sophisticated account management tools. The card also features no annual fee and no additional fees for cash advances.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Additional employee cards at no extra cost
- No balance transfer fees
- No cash advance fees
- No annual fee
- Auto rental insurance
- Travel accident insurance coverage up to $500,000
- Regular Purchase APR: 13.70% to 23.70% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.70% to 23.70% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.70% to 23.70% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 5% of the amount of each cash advance or $5, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25 when the minimum is not made within 5 days
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $25 per occurence
- You already bank with Consumers Credit Union
- You want a straightforward business card with a great APR
- You don’t want to pay an annual fee
SDCCU Visa Platinum with Fly Miles Plus
SDCCU Visa Platinum with Fly Miles Plus
- 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness Regular Purchase APR
- 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness Balance Transfer APR
- 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness Cash Advance APR
At a Glance
In the credit card world, ultra low APRs and rewards don’t often mix. However, the SDCCU Visa Platinum with Fly Miles Plus offers members of this credit union the best of both worlds. They’ll get the low, low rates of the basic Visa Platinum card, while also cashing in on travel rewards with every purchase. Each dollar spent will earn 1 point, on top of bonus rewards offered just for signing up.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get 1,000 bonus points for signing up
- Get 1,000 bonus points for enrolling in the Fly Miles Plus Reward Program
- Annual fee waived each year you spend at least $6,000
- Earn up to 120,000 points in one year per enrolled card
- Regular Purchase APR: 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
- Balance Transfer APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 for the first 12 months. After that, $35
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $20
- You work or live in either San Diego, Riverside, or Orange County
- You plan to enroll in the Fly Miles Plus Reward Program for extra bonus points
- You're able to spend at least $6,000 per year to waive the annual fee
Justice x PenFed Power Cash Rewards Visa Signature® Card
Justice x 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
The Justice x PenFed Power Cash Rewards Visa Signature® Card offers Washington Justice Overwatch fans the chance to earn up to 2% cash back on all purchases while enjoying special discounts and team events throughout the season.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- 2% Cash Back on all purchases for PenFed Honors Advantage Members
- 1.5% Cash Back on all purchases made with the card
- $100 Statement Credi when you spend $1,500 in the first 90 days
- Regular Purchase APR: 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.99%
- Balance Transfer Transaction Fee: 3% per transactio
- Cash Advance APR: 17.99%
- Penalty APR: 17.99% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $28
- Return Payment Penalty Fee: Up to $25
- You love esports and want to cheer on your favorite team (provided it’s the Washington Justice)
- You want exclusive Justice discounts and access to team events
- You have an existing PenFed Honors Advantage membership to earn maximum rewards
- You don’t want to pay an annual fee or foreign transaction fees
Navy Federal GO REWARDS® Credit Card
Navy Federal GO REWARDS® Credit Card
- 13.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.99% to 20.00% variable based on the Prime Rate Cash Advance APR
At a Glance
The Navy Federal GO REWARDS® Credit Card is a great rewards card that earns 3x points at restaurants, 2x points on gas, and 1x points for everything else. The card is an excellent option for those who are looking to earn handsome rewards for their everyday purchases, but don’t want to pay high-interest rates should they carry a balance. The card has no annual fee, no foreign transaction fees, and the comprehensive protections and member perks people have come to know and expect from a Visa Signature card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3X points per dollar spent at restaurants
- Earn 2X points per dollar spent on gas
- 1X point per dollar spent on everything else
- No annual fee
- Earn 15,000 points (a $150 value) after you spend $1,000 within 90 days of opening an account
- Regular Purchase APR: 13.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0.99% for 6 months from account opening date
- Balance Transfer APR: 13.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.99% to 20.00% variable based on the Prime Rate
- Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
- Penalty APR: 18%
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $20
- You're a member of the Naval Federal Credit Union
- You want to be rewarded for making everyday purchases
- You frequently purchase gasoline with a credit card
- You don’t want to pay an annual fee or foreign transaction fees
- You want a special promotional APR on purchases and 15,000 bonus points soon after you open an account
Golden 1 Member Cash Rewards+ Visa Signature Card
Golden 1 Member Cash Rewards+ Visa Signature Card
- 17.04% to 23.04% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.04% to 23.04% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.04% to 23.04% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The no annual fee Golden 1 Member Cash Rewards+ Visa Signature credit card rewards hard-working Californians for purchases they make every day. The card earns up to 4% cash back on gas purchases, with no balance transfer fees and competitive rates every day.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 17.04% to 23.04% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.04% to 23.04% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 17.04% to 23.04% variable based on creditworthiness 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 the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
- You're an everyday credit card user
- You're a motivated rewards earner
- You want the benefits of a reward card with no annual fees
USAA Rewards™ American Express® Card
USAA Rewards™ American Express® Card
- 14.9% to 30.9% variable based on creditworthiness Regular Purchase APR
- 14.9% to 30.9% variable based on creditworthiness Balance Transfer APR
- 14.9% to 30.9% variable based on creditworthiness Cash Advance APR
At a Glance
The USAA Rewards™ American Express® Card is designed to reward cardholders who use it for everyday things such as gas, groceries, and dining out. Once enough rewards points are earned they can be redeemed for cruises, airline tickets, gift cards, or cash.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited Points — 3X points for dining out, 2X points on gas and groceries, and 1X points for every dollar spent on other purchases
- No annual fee
- 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.
- Regular Purchase APR: 14.9% to 30.9% variable based on creditworthiness
- Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
- Balance Transfer APR: 14.9% to 30.9% variable based on creditworthiness
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 14.9% to 30.9% 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
- You're in the U.S. military or are related to someone in the U.S. military
- You frequently dine out or spend money on gas
- You want a card with no annual fee
- You want no foreign transaction fees
BrightStar Business Elite Rewards Credit Card
BrightStar Business Elite Rewards Credit Card
- 14.99% to 18% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 18% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- See Terms Cash Advance APR
- 0% for the first 12 months Intro Purchase APR
At a Glance
The BrightStar Business Elite Rewards Card lets companies earn rewards while enjoying a competitive, low APR. The card, from BrightStar Credit Union in Florida, features no annual fee, no penalty APR, and no fees on balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1X points on every purchase
- 0% Intro APR for the first 12 months on purchases
- 3.88% intro APR on balance transfers for 12 months
- No penalty fees and no balance transfer fees
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 14.99% to 18% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 3.99% for the first 12 months
- Balance Transfer APR: 14.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: See Terms
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You already bank with BrightStar, or operate a Florida-based company
- You want to earn basic rewards while enjoying a low APR
- You want a card they can use to invest in the company immediately, then pay off those purchases over a year
- You do't want to pay an annual fee
You've viewed 5 of 149 credit cards
What is a Credit Union?
A credit union is a financial cooperative that is owned and operated by its members. It is designed to provide a range of financial services, including savings and checking accounts, loans, and other financial products.
Similarly, credit union credit cards are offered by credit unions, which are not-for-profit financial institutions owned by their members. These credit cards work similarly to traditional bank-issued credit cards, allowing you to make purchases and borrow money up to a certain credit limit.
How Do Credit Unions Differ from Banks?
As mentioned, credit unions are community banks and financial institutions. Here’s a detailed breakdown of how credit unions differ from traditional banks:
Ownership and Structure:
- Credit Union:Credit unions are owned by their members, the customers. Members elect a volunteer board of directors and have a say in how the credit union is run.
- Traditional Bank:Traditional banks are typically owned by shareholders and run by a paid board of directors. Customers do not have a direct ownership stake in the bank.
Profit Motive
- Credit Union:Credit unions are not-for-profit organizations. This means that any profits made are returned to members through better interest rates on savings, lower fees, and competitive loan rates.
- Traditional Bank:Traditional banks are for-profit entities that aim to maximize shareholder value. This can result in higher fees and lower interest rates for customers.
Membership and Eligibility
- Credit Union:Membership in a credit union is often based on a common bond, such as employment in a certain industry, living in a specific area, or belonging to a particular organization. However, many credit unions have expanded their membership criteria to be more inclusive.
- Traditional Bank:Traditional banks are open to the general public, and anyone can become a customer regardless of their affiliations or, in some instances, geographic location.
Services
- Credit Union:Credit unions offer a similar range of services to traditional banks, including savings and checking accounts, loans, credit cards, and other financial products. They may also have a focus on financial education and community initiatives.
- Traditional Bank:Traditional banks also provide a wide range of financial services, including investment products, wealth management services, and international banking.
Regulation
- Credit Union:Credit unions are regulated at the state or federal level, and they are often subject to oversight by the National Credit Union Administration (NCUA) in the United States.
- Traditional Bank:Traditional banks are regulated by federal and state banking regulators, such as the Federal Reserve, the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC).
It’s worth noting that while credit unions are not FDIC-insured, they are insured by the NCUA for up to $250,000, meaning credit unions are just as safe as your national bank.
Benefits Of a Credit Union Credit Card
Credit union credit cards feature many of the same benefits as credit cards from banks like Bank of America, Chase, or USAA. In addition, these cards provide quirks and perks that bigger banks can’t match:
Lower APR
One of the major benefits of credit union credit cards is that they tend to have lower interest rates compared to traditional bank-issued credit cards. This can save you money in the long run, especially if you tend to carry a balance on your credit card.
Lower Fees
In addition to lower interest rates, credit union credit cards often have lower fees. This can include annual fees, balance transfer fees, cash advance fees, and foreign transaction fees. By choosing a credit union credit card, you can avoid or minimize these fees, ultimately saving you money.
Personalized Customer Service Support
Credit unions are known for their personalized customer service. You can expect to receive the individual attention and support you deserve with a credit union credit card. Whether you have questions about your account or need assistance with a transaction, the credit union staff will be there to help.
Limitations of Credit Union Cards
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.
Fewer Card Options for Bad Credit
Credit unions tend to offer fewer credit products than larger banks, making it more difficult for those less-than-perfect credit to get accepted for a credit card. Due to their low APR rates and relatively small cash reserves, credit unions are more likely to expect an applicant to have excellent credit or at least good to very good credit.
Eligibility Requirements
Before applying for a credit union credit card, be sure to check your credit score to ensure you meet the credit requirements. Merely being a member isn’t enough. That said, sometimes joining a credit union can be tricky, so make sure you are eligible first.
Smaller Welcome Bonuses
Credit unions are member-owned, meaning you can expect the lowest possible rate on credit cards and loans. However, the members-first approach often results in smaller introductory bonuses on cards.
Longer Application Process
Because credit unions require joining the union before applying, many credit card applications take significantly longer than applications with bigger banks.
Tips for Using Your Credit Union Credit Card Wisely
Using your credit union credit card wisely can help you maximize its benefits while avoiding financial pitfalls. Here are some tips for using your card responsibly:
- Pay your balance in full each month: Aim to pay your credit card balance in full each month. This will help you avoid paying interest on your purchases and ensure you’re not accumulating unnecessary debt. By paying your balance in full, you can enjoy the convenience of a credit card without the burden of interest charges.
- Keep your credit utilization low: Credit utilization refers to the percentage of your available credit that you’re using. Keeping your credit utilization below 30% is generally recommended to maintain a good credit score. By keeping your balances low relative to your credit limit, you demonstrate responsible credit management to lenders.
- Avoid unnecessary debt: While credit cards can be convenient for making purchases, it’s important to avoid unnecessary debt. Before making a purchase, consider whether you can pay off the balance in full when the bill arrives. If not, waiting until you have the funds available may be best.
- Review your statements: Take the time to review your credit card statements regularly. This will help you identify any errors or fraudulent charges and ensure that your balances are accurate. If you notice any discrepancies, contact your credit union immediately to address the issue.
- Understand your rewards program: If your credit union credit card offers a rewards program, like CU Rewards or other group rewards plans, take the time to understand how it works. Familiarize yourself with the types of rewards offered, how they can be redeemed, and any limitations or restrictions.
Conclusion
Choosing a credit card from a credit union can offer several advantages, including potentially lower fees, competitive interest rates, and a member-focused approach to customer service. Credit unions often emphasize financial education and community involvement, which can appeal to individuals seeking a more personalized banking experience. However, it’s important to consider the potential limitations, such as membership eligibility requirements and a potentially more limited branch and ATM network compared to larger banks.
When considering a new credit union credit card, it’s essential to carefully assess its terms and features, including the interest rates, fees, rewards programs, and any additional benefits. You can make informed decisions that align with their financial needs and goals by conducting thorough research and comparing various credit union credit card options.
Check out more
Rewards Credit Cards
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.