Best Credit Union Credit Cards of October 2022

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Credit unions often outpace banking competitors with lower interest rates and generous perks — and credit union credit cards are no different. You can apply for a credit card online and choose from several credit card options that offer many great features.

Read: This credit score mistake could cost Americans millions

Since credit unions pass on a portion of their profits to their customers, you can expect lower rates and fees for many online banking and regular services. If you already belong to a credit union or are considering joining a credit union, take advantage of everything it has to offer, including credit cards.

Best Credit Union Credit Cards

Not all credit union credit cards are created equal. We’ve rounded up some of the best options on the market to help you in your search for the right card.

Here is a quick guide:

Department of State Federal Credit Union Visa Platinum

The State Department Federal Credit Union’s Visa Platinum card offers a Flexpoints rewards program that gives you one Flexpoint for every dollar spent and five when you use bill pay. Rates range from 9.99% to 17.99% APR, and you’ll get perks like no balance transfers or annual card fees. As a cardholder, you can also benefit from favorable rates on insurance products.

  • Awards: Earn 1 FlexPoint for every $1 spent. You can redeem these points for gift cards, travel, merchandise, cash back, charitable donations, and more.
  • Purchase APR: 9.99% to 17.99%
  • Advantages: Contactless payment options; compatible with mobile wallets for Apple Pay, Samsung Pay and Google Pay; no balance transfer fees, no foreign transaction fees.
  • Credit Union Membership Requirements: Must be an on-site Department of State employee or contractor, family member of an employee, member of a partner organization, or member of the American Consumer Council.
  • Annual subscription : $0

PenFed Platinum Rewards Visa Signature Card

You’ll automatically be enrolled in the PenFed Platinum Rewards program with this card and earn up to five points at the gas pump, three points at supermarkets, and one point on everything else. You won’t pay annual fees or foreign transaction fees, and rates range from 16.49% to 17.99% APR for purchases. You will earn 15,000 bonus points after spending $1,500 in the first 90 days.

  • Awards: Earn 5x points on gas and electric vehicle charging stations, earn 3x points on supermarkets, restaurants, TV, radio and streaming services, and earn 1x points on all other purchases. Plus, you get 15,000 bonus points for spending $1,500 in the first 90 days.
  • Purchase APR: 16.49% to 17.99%
  • Advantages: No foreign transaction fees; redeem your rewards for gift cards, travel, charity, experiences and merchandise; balance transfer introductory offer of 0% APR for 12 months; access membership discounts at select stores.
  • Credit Union Membership Requirements: PenFed membership is open to everyone.
  • Annual subscription : $0

Navy Federal cashRewards credit card

Earn 1.75% cash back on purchases with the Navy Federal Credit Union cashRewards credit card. All cardholders are also eligible for Visa Signature benefits, which include mobile card and wallet services, chip technology and fraud monitoring services.

There is no limit to the rewards you can earn and they never expire. Plus, you won’t have to worry about annual, balance transfer or foreign transaction fees and you may be able to save money with low purchase and balance transfer rates ranging from .

Alliant Credit Union Visa Signature Card

Take advantage of lucrative cash back opportunities with this credit card. You can earn up to 2.5% cash back on your first $10,000 in purchases per billing cycle and 1.5% cash back on purchases over $10,000 per billing cycle. But to take advantage of these rewards, you’ll also need to open an Alliant High-Rate checking account. Without this separate account, you’ll still earn 1.5% cash back on your purchases.

It is important to note that the cashback must be used within five years of obtaining it. And you’ll need to rack up at least $50 in cash back to redeem it. It can be repaid by depositing it in a current account or a connected savings account.

  • Awards: Earn up to 2.5% cash back on up to $10,000 in purchases.
  • Purchase APR: 13.74% to 23.74%
  • Advantages: No foreign transaction fees; personal identity theft protection; purchase security; travel accident insurance; collision damage waiver for rental vehicles; roadside shipping; extended warranty
  • Credit Union Membership Requirements: Must be a current or retired employee of one of the many Alliant partner organizations and companies, live near one of the communities near Alliant’s Chicago headquarters, or be a member of Foster Care to Success.
  • Annual subscription : $0

GTE Financial Credit Union GTE Go Premier Mastercard

You can earn double and triple reward points in multiple categories with the GTE Financial Credit Union GTE Go Premier Mastercard. If you spend $3,000 in the first three months, you’ll earn 10,000 points, worth $100.

Your rewards can add up fast because you’ll earn triple points on gas, travel, and purchases at home improvement stores. You’ll earn double points on everyday expenses, including groceries and recurring bill payments. In addition, the card is free.

  • Awards: Earn 3x more points on gas, travel and restaurants; earn 2x points on groceries and DIY stores; earn 1x points on all other purchases.
  • Purchase APR: 14.99% to 16.99% APR
  • Advantages: Credit limits up to $30,000; travel assistance; trip cancellation and interruption insurance; car rental collision damage waiver; and Boingo Wi-Fi. Additionally, you can design the look of your card.
  • Credit Union Membership Requirements: Membership is open to everyone.
  • Annual subscription : $0

What to Consider When Selecting the Best Credit Union Credit Card

As you explore your options, you will quickly discover that there is a wide range of possibilities. With such a wide selection, you can sort your options by which credit unions will offer you membership. Plus, you can eliminate credit card options that don’t match your credit score. Although credit unions may have more lenient requirements, some will expect a top notch credit score for a very attractive rewards card.

Many credit unions offer competitive credit cards that outperform some bank credit card offers. But that doesn’t mean that all bank cards are bad. In fact, some offer more premium rewards opportunities than you might not find from a credit union.

Ultimately, choosing the right credit card comes down to your needs. If you can find a credit union credit card that ticks all your boxes, continue with your application. But if the credit union’s offers don’t match your financial goals, check out your other credit card options.

Final take

If you want to work with a credit union, start by narrowing down your choices based on membership requirements. Many credit unions have specific requirements for their members. If you’re not working for the right employer, some of the credit cards above might be out of reach. But luckily, there’s no shortage of credit card options.

Before you dive too deep into the weeds, take a minute to prioritize what you want in a credit card. Whether you want cash back opportunities or the lowest possible APR, figure out what you need before exploring all the possibilities.

Rates are subject to change; unless otherwise specified, prices are updated periodically. All other account information is accurate as of October 5, 2022.

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