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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
All In Platinum Card
All In Platinum Card
- 9.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 9.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The All In Platinum Card is a very good balance transfer Mastercard from All In Credit Union. The card offers a competitively low APR for purchases, cash advances, and balance transfers, as well as no annual fees or fees for balance transfers. While the card lacks rewards, it more than makes up for it with its versatility, meaning it is ideal for carrying a balance or financing more significant purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Travel and death protection
- No balance transfer fee
- Low APR
- Regular Purchase APR: 9.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 9.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of each advance transactio
- Foreign Transaction Fee: 1.10% of each transaction in U.S. dollars
- Late Payment Penalty Fee: $29.00
- Return Payment Penalty Fee: Up to $29
- You're already a member of the All In Credit Union
- You want a reliable balance transfer credit card
- You don’t want to pay an annual fee for a good, low APR card
BrightStar Credit Union Visa Platinum Card
BrightStar Credit Union Visa Platinum Card
- 14.99% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.99% to 17.99% 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
If you need a credit card to help you fight against your debt, the BrightStar Credit Union Visa Platinum Card may pop up on your radar. It offers features like credit limits up to $50,000, no annual or balance transfer fees, and relatively low rates and fees for everything else.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2.99% introductory APR for 12 months on balance transfers
- Low regular APR
- No annual fee
- No balance transfer fees
- Credit limits of up to $50,000
- Low cash advance and foreign transaction fees
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 2.99% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: $1 ATM Cash Advance 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 reside or work in one of the associated Florida counties, including Broward, Miami-Dade and Palm Beach
- You want a card with low-to-no fees all around, including for foreign transactions, cash advances, and balance transfers
- You plan to open or already have a bank account with BrightStar to maximize benefits
- You have a particularly high balance to pay off and can benefit from the low regular APR and introductory rate
First Tech® Federal Credit Union Platinum Secured Mastercard®
First Tech® Federal Credit Union Platinum Secured Mastercard®
- 14% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
If you are looking to build or rebuild your credit, then the Platinum Secured Mastercard® from First Tech Federal Credit Union may be the right fit. It offers a low-interest rate and the opportunity to earn rewards on every purchase. Furthermore, there is no annual fee for this card. Keep reading to learn more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No fees on foreign transactions or cash advances
- Earn 1 rewards point for every $1 spent
- Low APR
- Regular Purchase APR: 14% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15% to 18.00% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $500
- You need to build up your credit score
- You do not qualify for a non-secured credit card
- You want to earn rewards points on your purchases
- You don’t want to pay an annual fee or fees for balance transfers, cash advances, and foreign transactions
Odyssey Rewards World Elite Mastercard®
Odyssey Rewards World Elite Mastercard®
- 11.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.99% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Odyssey Rewards World Elite Mastercard® credit from First Tech Federal Credit Union offers a myriad of benefits to cardholders that make this a great card to have in your wallet. Cardholders don’t have to pay an annual fee to use this card, and there are no fees for many common transactions. Additionally, cardholders can earn up to 3 points for every dollar they spent plus a 30,000-bonus when they first open their account. Keep reading to learn more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee for the first year
- 3x points on travel and 2x points on dining
- No fees on foreign transactions, cash advances, and balance transfers
- 0% intro APR for 12 months on balance transfers
- Regular Purchase APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Annual Fee: $75
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You want to earn rewards points on your credit card purchases
- You want to earn 30,000 bonus points after spending $3,000
- You don’t want to pay annual fees or fees on foreign transactions, balance transfers, or cash advances
- You want 0% APR on balance transfers for the first 12 months
Golden 1 Member First Visa® Card
Golden 1 Member First Visa® Card
- 15.04% variable based on the Prime Rate Regular Purchase APR
- 15.04% variable based on the Prime Rate Balance Transfer APR
- 15.04% variable based on the Prime Rate Cash Advance APR
At a Glance
The Golden 1 Member First Visa® Card is a no-frills secured credit card offer from Golden 1 Credit Union. With no annual fee, no balance transfer fee, and a low APR for purchases, the secured card is ideal for anyone who wants to establish, build, or repair their credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Funds used for deposit will earn dividends
- Credit limit: $250 to $3,000
- Low APR
- Regular Purchase APR: 15.04% variable based on the Prime Rate
- Balance Transfer APR: 15.04% variable based on the Prime Rate
- Cash Advance APR: 15.04% variable 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 the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $250
- You need to build (or repair) your credit history
- You don’t want to pay an annual fee or balance transfer fee
- You want to earn dividends from your security deposit
- You will take advantage of a low purchase APR
- You are a member of the Golden 1 Credit Unio
SLFCU Visa Platinum Rebate
SLFCU Visa Platinum Rebate
- 14.15% variable based on the Prime Rate Regular Purchase APR
- 14.15% variable based on the Prime Rate Balance Transfer APR
- 14.15variable based on the Prime Rate Cash Advance APR
At a Glance
The SLFCU Visa Platinum Rebate Card is a low APR and cash back credit card from one of New Mexico’s leading credit unions, Sandia Laboratory Federal Credit Union. The card features a low APR, no annual fee, and a special 0.75% year-end rebate on all purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Visa Platinum Benefits
- No balance transfer fees
- Regular Purchase APR: 14.15% variable based on the Prime Rate
- Balance Transfer APR: 14.15% variable based on the Prime Rate
- Cash Advance APR: 14.15variable 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: Up to $25
- Return Payment Penalty Fee: Up to $25
- Over Limit Penalty Fee: Up to $25
- You don’t want to pay an annual fee
- You want a low APR and a basic cash back rebate
- You already bank with Sandia Laboratory Federal Credit Unio
Family Security Visa Platinum Business
Family Security Visa Platinum Business
- See Terms* Regular Purchase APR
- See Terms* Balance Transfer APR
- See Terms* Cash Advance APR
At a Glance
The Family Security Visa Platinum Business Card is a no annual fee business credit card from Alabama based, Family Security Credit Union. The card offers companies 100% of their credit line as available for cash advances – credit lines which extend to as much as $15,000.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Credit limit up to $15,000
- 100% of the credit limit is available for cash advances
- 25-day grace period on purchases
- 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: $35
- You already bank with Family Security CU
- You operate small to medium-sized companies
- You value access to cash when you need it
- You do't want to pay an annual fee
USAA Secured American Express® Credit Card
USAA Secured American Express® Credit Card
- 27.9% variable based on the Prime Rate Regular Purchase APR
- 27.9% variable based on the Prime Rate Balance Transfer APR
- 27.9% variable based on the Prime Rate Cash Advance APR
At a Glance
The USAA Secured American Express® Credit Card can help you establish a positive credit history with regular payments and responsible use. The card benefits from no fees for foreign transactions and no annual fee for membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Build credit with on time payments and responsible use
- Regular Purchase APR: 27.9% variable based on the Prime Rate
- Balance Transfer APR: 27.9% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each Balance Transfer.
- Cash Advance APR: 27.9% variable based on 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
- Minimum Deposit Required: $250
- You qualify for USAA membership
- Your credit history is damaged or non-existent
- You do't want to pay an annual fee
CAMPUS Visa Platinum Card
CAMPUS Visa Platinum Card
- 12.40% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.40% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.40% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The CAMPUS Visa Platinum Card is a low APR credit card from CAMPUS USA Credit Union. The card enjoys an impressive variable APR for those with excellent credit scores, as well as no fees for balance transactions or cash advances, Visa benefits and protections, and no annual fees for membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer fees
- No cash advance fee
- Regular Purchase APR: 12.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.99%
- 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 $25
- You already bank with CAMPUS USA or work at the University of Florida
- You want the benefit of shifting interest rates, rather than a fixed APR
- You don’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.
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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.