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The Educator's Rewards Visa Platinum Card
The Educator's Rewards Visa Platinum Card
- 16.99% to 18% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.99% to 18% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.99% to 18% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Educator’s Rewards Visa Platinum Card from BrightStar Credit Union earns cardholders points on all qualifying purchases. This card offers new cardholders an introductory 0% APR for 12 months on purchases. Additionally, new cardholders can take advantage of a reduced APR for 12 months on balance transfers. What’s more, there are no fees for balance transfers with this card. All of these benefits are available to you with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for 12 months on purchases
- Reduced introductory APR for 12 months with no fee on balance transfers
- Earn points on your purchases
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 16.99% to 18% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 2.49% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 16.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $1 ATM Cash Advance Transaction Fee
- Foreign Transaction Fee: up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You're school faculty or staff working in the state of Florida
- You don’t want to pay an annual fee to use a credit card
- You want to earn points on your purchases
- You would like to receive 0% APR for 12 months on purchases
- You need to transfer a credit card balance and wish to pay it off in 12 months
Navy Federal Visa Signature® Flagship Rewards
Navy Federal Visa Signature® Flagship Rewards
- 14.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.99% to 20.00% variable based on the Prime Rate Cash Advance APR
- 1.99% for 6 months from account opening date Intro Purchase APR
At a Glance
The Navy Federal Visa Signature Flagship Rewards Card is a travel reward credit card created with our military personnel and their families in mind. The card earns triple rewards points for travel purchases and double points for all other purchases made with the card. New account holders also receive 30,000 bonus points (worth $300) when they make $3,000 in purchases within the first 90 days of opening an account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3X points on travel
- Earn 2X points on all other purchases
- $100 statement credit towards TSA Pre-Check or Global Entry applications
- No foreign transaction fees
- Earn 30,000 bonus points (a $300 value) after spending $3,000 within 90 days of opening an account
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 14.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.99% 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: 18.00%
- Annual Fee: $49
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $20
- You're a member of the U.S. Navy or a family member of Navy personnel
- You want an exception travel rewards card
- You don’t want to pay foreign transaction fees
- You plan to spend at least $3,000 on your card within the first 3 months in order to secure a bonus of 30,000 points
Alliant Visa Platinum Credit Card
Alliant Visa Platinum Credit Card
- 15.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 24.24% to 29.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% to 5.99%, based on creditworthiness, for 12 months from account opening date Intro Purchase APR
At a Glance
The Alliant Visa Platinum Credit Card from Alliant Credit Union is a quality of low APR that provides value in almost every instance. The low-rate card features a very competitive APR and a lengthy 0% APR period.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get an introductory APR as low as 0% on purchases and balance transfers for 12 months from the date of account opening
- Low standard APRs and generous credit lines
- No annual fee
- Earn 0.55% annual percentage yield with an Alliant savings account – 7X the national average
- Intro Purchase APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
- Regular Purchase APR: 15.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% to 5.99%, based on creditworthiness, for 12 months from account opening date
- Balance Transfer APR: 15.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 2% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 24.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
- You want a no-nonsense credit card with an excellent APR
- You plan to pay down an existing balance at a lower interest rate
- You do't want to pay an annual fee
Family Security Visa Platinum
Family Security Visa Platinum
- See Terms* Regular Purchase APR
- See Terms* Balance Transfer APR
- See Terms* Cash Advance APR
At a Glance
The Family Security Visa Platinum Card is a low APR and balance transfer card from Family Security Credit Union. The card offers a very low APR on everything from purchases and balance transfers – all for no annual fee. While primarily a balance transfer card, the Platinum Visa does not feature any introductory rate promotional period.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer fees
- No penalty APR
- 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 considering transferring your existing credit card balances to pay down with a lower rate
- You already bank with Family Security Credit Union
- You're only interested in a great APR
- You don’t want to pay an annual fee or fees for balance transfers or cash advances
BrightStar Credit Union Visa Platinum Cash Rewards Card
BrightStar Credit Union Visa Platinum Cash Rewards Card
- 15.24% to 18% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 18% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.24% to 18% 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
As a cash back rewards card, the BrightStar Visa Platinum Cash Rewards Card is a solid option for folks who are searching for ways to save money with a low, competitive APR while earning rewards for everyday spending.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee, no balance transfer fee
- Low, competitive standard APR for purchases
- 0% introductory APR for balance transfers for first 12 months after account approval
- Earn 1.5% cash back rewards on all purchases
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 18% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 billing cycles, on balance transfers made within 60 days of account approval
- Balance Transfer APR: 15.24% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.24% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $1 at an ATM
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You want to earn cash back from every eligible purchase you make
- You would like a credit card that does not charge an annual fee
- You'll use your new card to transfer a balance you'd like to save money on thanks to an introductory APR period
- You would like the ability to transfer a balance without paying a balance transfer fee
USAA Rate Advantage Visa Platinum® Card
USAA Rate Advantage Visa Platinum® Card
- 11.90% to 28.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.90% to 28.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 11.90% to 28.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The USAA Rate Advantage Visa Platinum® Card offers cardholders low rates on purchases, balance transfers, and cash advances. They can also take advantage of no foreign transaction fees, no annual fee, and no penalty APR. USAA is a credit union geared not only towards memerbs of the U.S. armed forces, but also to their families – making the USAA Rate Advantage Visa Platinum® a great basic rewards card for a wide-ranging group of individuals.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 11.90% to 28.90% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
- Balance Transfer APR: 11.90% to 28.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 11.90% to 28.90% 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
- You're in the U.S. military or are related to someone in the U.S. military
- You want low rates for purchases, balance transfers, or cash advances
- You want no annual fee
- You want no foreign transaction fees
SDCCU Visa Signature
SDCCU Visa Signature
- 12.99%, 15.99%, 17.99%, or 22.99%, based on creditworthiness Regular Purchase APR
- 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness Balance Transfer APR
- 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness Cash Advance APR
At a Glance
The SDCCU Visa Signature earns cardholders two Signature Rewards points for ever dollar they spend on not purchases. What’s more, new cardholders earn 10,000 bonus points when they spend $3,000 in the first 90 days after opening an account. This card has no foreign transaction fees. Additionally, new cardholders don’t have to pay the annual fee for their first year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee your first year
- No foreign transaction fees
- Earn 2X points for ever $1 spent
- Earn 10,000 bonus points when you spend $3,000 in your first 90 days
- Regular Purchase APR: 12.99%, 15.99%, 17.99%, or 22.99%, based on creditworthiness
- Balance Transfer APR: 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
- Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 16.99%, 19.99%, 21.99%, or 26.99%, based on creditworthiness
- Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
- Annual Fee: $89
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $20
- You don’t want to pay an annual fee for your first year as a cardholder
- You want to earn points on your purchases
- You plan to spend at least $3,000 in their first 3 months
- You don’t want to pay foreign transaction fees
SDCCU Cash Rewards Visa Platinum
SDCCU Cash Rewards Visa Platinum
- 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
The SDCCU Cash Rewards Visa Platinum, from the San Diego County Credit Union, is a no-frills cash back rewards credit card. Featuring a low, competitive APR and unlimited rewards, it’s not as flashy as some of the other cash back credit cards on the market – but its simplicity is part of its draw.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1% cash back
- Cash rewards automatically post to your account each month
- Free online banking
- $500,000 Travel Accident Insurance, Auto Rental Insurance
- 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 balance 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
- 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 live in San Diego, Riverside, or Orange County
- You would like to earn unlimited cash rewards from everyday purchases
- You want a credit card that does not charge an annual fee
- You may carry a balance and want to save money in between billing cycles thanks to a low APR
- You would like a credit card with Visa® benefits like travel accident insurance and auto rental insurance
CAMPUS Visa Business Platinum Rewards
CAMPUS Visa Business Platinum Rewards
- 16.40% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.40% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.40% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The CAMPUS Visa Business Platinum Rewards Card features a generous introductory points bonus and a low, variable APR – all for no annual fee. The card, from Florida credit union CAMPUS USA, earns a single point for every dollar spent on purchases, with points applying towards rewards such as merchandise, gift cards, travel, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1 point for every dollar spent on purchases
- Receive 10,000 bonus points after making $500 in purchases in the first 90 days
- No balance transfer fees
- Regular Purchase APR: 16.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You are a member, or eligible to become member, of CAMPUS USA
- You want a simple rewards business card
- You plan to carry a balance and can benefit from a card with a low APR
- You don’t want to pay an annual fee or balance transfer fee
Firefly Visa® Business Rewards Credit Card
Firefly Visa® Business Rewards Credit Card
- 14.65% to 17.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.65% to 17.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.65% to 17.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Firefly Visa® Business Rewards is a reliable business rewards credit card from Minneapolis and St. Paul-based credit union TruStone Credit Union. The card earns one point for every dollar spent on purchases – points which are redeemable for rewards such as gift cards, merchandise, cashback, or travel. New account holders can also expect 500 bonus points right off the bat. The Firefly Visa® Business Rewards also benefits from no annual fee, no maintenance fees, and a very competitive APR.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 500 bonus Scorecard Rewards instantly
- No annual fee
- No maintenance fees
- Earn 1 point on every $1 spent
- Regular Purchase APR: 14.65% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.65% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.65% to 17.90% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You own or operate a company located near the Twin Cities
- You don’t want to pay an annual fee
- You want to earn straightforward rewards for every purchase
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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.
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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.