Best Credit Union Credit Cards

PenFed Pathfinder® Rewards Visa Signature® Card is the best for its travel benefits and offers like $100 statement credit on domestic air ancillary annually, $100 statement credit for Global Entry or $85 for TSA Pre-check, and Complimentary Priority Pass Airport Lounge Annual Membership. The card does not charge a foreign transaction fee either which allows you to make international purchases without incurring extra charges.

This card comes with a comprehensive rewards program offering 4x points on all travel categories to the Credit Union’s Honors Advantage Members, 3x points to other members on all travel categories, and 1.5x points on all other purchases. You can also earn 50,000 bonus points on spending $3000 in the first quarter and there is no 0% interest charged on balance transfers for the first 12 months. You can redeem the points earned for travel, as gift cards, or for shopping.

PenFed Pathfinder® Rewards Visa Signature® Card charges an annual fee of $95 but it is waived for existing PenFed Honors Advantage Members. All members, however, have to bear up to $28 as a penalty for late payments and up to $25 on a returned payment.

Navy Federal More Rewards American Express® Card can only be accessed by union members who are limited to current or former military members, Department of Defense employees, and their eligible family members. However, this is one of the best credit union credit cards for those who can access it due to the high rewards and no fees the card offers.

With the Navy Federal More Rewards American Express® Credit Card, you can get 3x points at restaurants and food delivery, supermarkets, gas, and on transit. On all other purchases, the card offers 1x points. There is also a bonus of 20,000 points, which is equivalent to $200 in value, on spending $2000 in the first quarter of account opening. These points can be redeemed in multiple ways including cash, travel, merchandise, and gift cards.

The card has a low introductory APR offer of 1.99% for the first six months. There is no annual, balance transfer, foreign transaction, or cash advance fee associated with the card but it does charge a fee for late or returned payments. The late and returned payment penalty of up to $20 which is much lower than most other credit cards.

Andrews FCU Titanium Rewards Visa® Signature Card is a great card for those who require higher credit limits. The minimum credit limit on this card starts from $5,000 and goes up to a maximum of $50,000. The credit limit is decided based on the creditworthiness and income of the applicant.

Titanium Rewards Visa® Signature Card does not charge annual or foreign transaction fees and awards 3x points on gas and grocery. On all other purchases card members can earn 1.5x points and you can redeem these points in multiple ways like in the form of travel purchases, merchandise, or gift cards. There are 10,000 bonus points offered too on spending $1,500 in the first 90 days of the account.

There is, however, a late payment and returned payment fee charged of up to $25.

Navy Federal Platinum Credit Card can only be accessed by union members who meet the union’s limited eligibility criteria. This card had the lowest starting APR of 11.24% on purchases and balance transfers and for the first 12 months of account opening, cardmembers are only required to pay 0.99% APR on balance transfers.

Moreover, the Platinum Credit Card by Navy Federal does not charge any annual fee. It also has no foreign exchange, balance transfer, or cash advance fee associated with it. On making late payments, cardholders are charged up to $20 as a penalty. Returned payments will also incur a penalty payment of up to $20.

DCU Visa® Platinum Secured Credit Card is the best card for Digital Federal Credit Union members who have bad credit. This is because it is a secured credit card that does not have a minimum credit score requirement. It charges a security deposit as collateral and is easier to get for anyone regardless of their credit situation. However, this DCU secured card has a high minimum security deposit requirement of $500.

There are no extra fees associated with the card. It charges no annual, foreign exchange, balance transfer, or cash advance fee. The APR rates offered are also one of the lowest in the market. By responsibly using this card and making on-time payments, its users can improve their credit or build it up from scratch for better future financial opportunities. In case of a late payment, cardholders are charged a penalty fee of up to $35.

Alliant Cashback Visa® Signature Credit Card is available to Alliant members with good credit. It charges no annual or foreign transaction fee and comes with cash back rewards. However, in case of a missed payment or payments made late, there is a penalty fee of up to $27.

This card has a unique cash back rewards system as it offers cash back in two tiers. The first tier gives 2.5% cash back on the first $10,000 worth of purchases and 1.5% on everything above it. After this the second tier starts which gives an unlimited 1.5% on all purchases in all categories.

PenFed Gold Visa® Card is a great card for a longer period of 0% Introductory APR offer. It charges no interest on purchases and balance transfers for the first 15 months of account opening.

This Visa card does not have any annual or foreign transaction fee attached to it and it comes with a low interest rate like most other PenFed Credit Union cards. However, there is a late payment fee of up to $28 and a fee for returned payments of up to $25. There are also no cash back or other types of rewards on using the PenFed Gold Visa® Card.

PenFed Pathfinder® Rewards Visa Signature® Card is the best for its travel benefits and offers like $100 statement credit on domestic air ancillary annually, $100 statement credit for Global Entry or $85 for TSA Pre-check, and Complimentary Priority Pass Airport Lounge Annual Membership. The card does not charge a foreign transaction fee either which allows you to make international purchases without incurring extra charges.

This card comes with a comprehensive rewards program offering 4x points on all travel categories to the Credit Union’s Honors Advantage Members, 3x points to other members on all travel categories, and 1.5x points on all other purchases. You can also earn 50,000 bonus points on spending $3000 in the first quarter and there is no 0% interest charged on balance transfers for the first 12 months. You can redeem the points earned for travel, as gift cards, or for shopping.

PenFed Pathfinder® Rewards Visa Signature® Card charges an annual fee of $95 but it is waived for existing PenFed Honors Advantage Members. All members, however, have to bear up to $28 as a penalty for late payments and up to $25 on a returned payment.