NASA Federal Credit Union Credit Cards

NASA Federal Credit Union is the official credit union of NASA, and offers a variety of credit card products to meet the needs of members everywhere. Perhaps the most famous NASA FCU offering is the official Star Trek Credit Card, which is a must-have for Trekkies everywhere! Browse NASA FCU credit card offerings below.

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NASA FCU Visa Star Trek™ Credit Card

NASA FCU Visa Star Trek™ Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
$39 Annual Fee

NASA FCU Visa Star Trek™ Credit Card

  • 14.4% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.4% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 16.4% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The Visa Star Trek™ Credit Card is a geek-chic rewards credit card from NASA Federal Credit Union. The card offers 3x points on purchases at StarTrek.com, 2x points at gas stations, and 1x points for everything else. New accounts also receive a special introductory APR on balance transfers, as well as a cash back reward when they meet a minimum spend requirement within the first 90 days of opening an account. The Star Trek™ Visa also comes in four unique designs.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Show your Trekkie pride with every purchase – choose from 4 designs
  • Earn $300 cash back when you spend $2,000 in the first 90 days
  • 3X points on startrek.com purchases, 2X points on gas station purchases and 1 point for every other purchase.
  • Regular Purchase APR: 14.4% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 8.4% to 17.99% variable on transfers made within 90 days from account opening date
  • Balance Transfer APR: 14.4% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 16.4% to 18.00% variable based on creditworthiness and 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: $39
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You love the idea of banking with NASA
  • You are a die-hard Trekkie and want to show your fandom
  • You want to earn 2x points on gas station purchases
  • You do’t want to pay a fee for foreign transactions or balance transfers

NASA FCU Visa Platinum Advantage Rewards

NASA FCU Visa Platinum Advantage Rewards
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

NASA FCU Visa Platinum Advantage Rewards

  • 14.40 to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.40% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 16.4% to 18% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

NASA FCU Visa Platinum Advantage Rewards Card is a no-nonsense rewards card that doesn’t charge an annual fee. The card, from NASA Federal Credit Union, offers a basic single point for every dollar spent, though some exceptions offer bonus points through local partners like Cici’s Italian restaurant. The card also features an excellent APR on purchases and balance transfers, plus an introductory APR on balance transfers for the first three months.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 1 point for every $1 you spend
  • Earn extra points at selected in-store and online merchants
  • Redeem your points for merchandise, gift cards and more
  • No annual fee
  • Regular Purchase APR: 14.40 to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 8.4% to 17.99% variable based on creditworthiness and the Prime Rate on transfers made within 90 days from account opening date
  • Balance Transfer APR: 14.40% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 16.4% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You bank with NASA Federal Credit Union
  • You don’t want to pay annual fees
  • You don’t want a complicated and confusing rewards structure

NASA FCU Visa Platinum Cash Rewards

NASA FCU Visa Platinum Cash Rewards
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

NASA FCU Visa Platinum Cash Rewards

  • 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 17.99% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The NASA FCU Visa Platinum Cash Rewards Card is a cash back rewards card that earns a solid 1.5% back with every purchase. Offered by NASA Federal Credit Union, the card is an excellent option for those who love all-things Space thanks to the option of joining the credit union for non-NASA employees. Cash back rewards earned with the card are applicable for a variety of uses, including statement credits, paying down balances, deposits for new accounts, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Flexible redemption options, including making deposits, paying down balances or redeeming for gift cards
  • 24/7 emergency assistance, fraud protection and extended warranty coverage
  • Great low APR
  • Regular Purchase APR: 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 8.4% to 17.99% variable based on creditworthiness and the Prime Rate on transfers made within 90 days from account opening date
  • Balance Transfer APR: 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 17.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 18.00%
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You already bank with NASA Federal or love space
  • You want to earn 1.5% cash back for every purchase
  • You prefer not to pay an annual fee
  • You want your choice of three cool NASA card designs

NASA FCU Visa Classic

NASA FCU Visa Classic
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
None Annual Fee

NASA FCU Visa Classic

  • 12.40% to 17.99% variable based on creditworthiness Regular Purchase APR
  • 12.40% to 17.99% variable based on creditworthiness Balance Transfer APR
  • 14.40% to 18% variable based on creditworthiness Cash Advance APR

At a Glance

The NASA FCU Visa Classic Credit Card is an unsecured credit-builder credit card from NASA Federal Credit Union. The card offers those with a fair credit history – or no credit history at all – the chance to boost their score with regular payments and good credit habits. Establishing good credit habits is made easier with the addition of real-time account management tools and online banking availability. The card charges no annual fee and no hidden fees for foreign transactions or balance transfers.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Fixed rate as low as 12.4% APR
  • No annual fee
  • No extra fees
  • Regular Purchase APR: 12.40% to 17.99% variable based on creditworthiness
  • Intro Balance Transfer APR: 6.9% to 17.99% variable on transfers made within 90 days from account opening date
  • Balance Transfer APR: 12.40% to 17.99% variable based on creditworthiness
  • Cash Advance APR: 14.40% to 18% variable based on creditworthiness
  • Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You’re looking to improve your credit score and likely will qualify for an unsecured credit card
  • You don’t want to pay an annual fee
  • You prefer your credit card with as few fees as possible
  • You already bank with NASA FCU or have an affinity for space

About NASA Federal Credit Union

NASA Federal Credit Union is a leading credit union with over 17,000 members throughout Florida, Texas, and the United States.

The history of NASA Federal Credit Union (NASA FCU) dates to 1949, and seven scientists. With just $2 in deposits, the federal credit union now has over $2.8 billion in assets, making it one of the largest credit unions in the United States.

Who Can Join NASA Federal Credit Union?

While you might think membership in NASA Federal is limited to astronauts and ground control, almost anyone can join the credit union. Membership is currently available to the following individuals:

  • Current NASA employees, including anyone employed at any NASA facility
  • Retired NASA employees or retired employees at a NASA facility
  • Members of the National Academy of Sciences
  • Employees or members of any NASA FCU partner company or associations
  • Relatives or household members of any NASA Federal member

The easiest way to join NASA Federal Credit Union is by becoming a member of the National Space Society – one of the affiliated partners. Joining NASA FCU provides a free one-year membership in the group and instantly opens membership. After the first year, membership is just $12.50 per year after that.

Branch Locations

Features of NASA Federal Credit Union Credit Cards

While some NASA FCU cards offer unique perks, like 0% APR, secured cards, and rewards credit cards, most cards from the credit union have some of the same benefits. These perks include no hidden fees, such as no:

  • Annual fee
  • Balance transfer fees
  • Foreign transaction fees

While almost every NASA credit card has no annual fee, the NASA FCU Visa Star Trek™ Credit Card does have a yearly fee of $39.

All NASA credit cards (including the Star Trek Card), however, do feature the following benefits and protections:

  • Complimentary access to your FICO scores every month
  • Zero Fraud Liability
  • Freeze/Unfreeze your card
  • Comprehensive fraud alerts and notifications

FAQs About NASA Federal Credit Union

Here are some of the most frequently asked questions about NASA Federal Credit Union and their credit card offers:

  • Yes. NASA FCU has a long history of serving its members with excellent rates and products. NASA credit cards have exceptionally low interest rates, with even the higher APR considerably below the national average.
  • While you might think NASA Federal Credit Union would be in Cape Canaveral, the headquarters is in Upper Marlboro, Maryland. All the credit unions’ solo branches are in the Washington, D.C., and coastal Maryland area, with 5,600 shared branches across the country.
  • Yes. Outside of the 14 branches and 5,600 branches it shares with other credit unions, NASA members can access over 30,000 fee-free ATMs via the CO-OP partnership.
  • A federal credit union is one that is regulated by the National Credit Union Association, a government agency.
  • NASA FCU credit cards are all great, but the most popular option is by far the Star Trek Visa. The card’s popularity stems from the Star Trek name, the exclusive Star Trek designs (including the Star Trek Enterprise), and the combination of that brand with the NASA name for science fiction fans. Fans of the Star Trek Voyager, Next Generation, or even Star Trek (the original series), will get a kick out of the card.
  • Most NASA credit cards require a good credit score to qualify. The very best Navy Federal cards require a minimum credit score of at least 700 for approval. Fortunately, there are bad credit options for people looking to fix their credit score (the NASA FCU Visa Classic offers a secured option).
  • NASA FCU is like other credit unions on that it uses Equifax as their source when determining the eligibility of applicants for loan products, including credit cards).
  • No. Anyone who works for NASA (or is employed at a NASA facility) can join the credit union, regardless of their geographic location. Retirees who worked for NASA — or at a NASA facility are also eligible, as are family members of those individuals. Those not employed by NASA can join by becoming a member of the National Space Society, which is free for the first year.

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