15 Best Credit Union Credit Cards

These credit union credit cards offer great rewards — find the best credit card offers now.

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 plenty of great features.

Because credit unions pass some of their profits to their customers, you can look forward to lower rates and fees for many online banking and regular services. If you belong to a credit union already — or if you’re planning to join a credit union — take advantage of everything it has to offer, including credit cards.

Here are the 15 best credit union credit cards:

15 Best Credit Union Credit Cards
Credit Union Credit Card Annual Fee Purchase APR Rewards How to Apply
State Department FCU logo 2017 State Department Federal Credit Union Visa Platinum $0 7.74% to 15.49% 1 Flexpoint for every $1 spent Learn More
Air Force FCU logo 2017 Air Force Federal Credit Union Visa Platinum $0 8.25% to 15.25% 1 point for every $1 spent
2x or 5x points year-round
Learn More
PenFed Pentagon Federal Credit Union Platinum Rewards Visa Signature $0 9.49% to 17.99% 5x points on gas purchases
3x points on supermarket purchases
1x point on all other purchases
Learn More
PenFed Pentagon Federal Credit Union Premium Travel Rewards American Express $0 9.49% to 17.99% 5x points on airfare purchases,
1x point on all other purchases
Learn More
Navy FCU logo 2017 Navy Federal Credit Union cashRewards $0 10.40% to 18.00% 1.5% cash back on purchases Learn More
Navy FCU logo 2017 Navy Federal Credit Union GO REWARDS $0 10.24% to 18.00% 3 points at restaurants
2 points on gas
1 point on everything else
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nasa federal credit union NASA Federal Credit Union Platinum Advantage Rewards $0 10.65% to 17.99% 1 point for each $1 spent
Redeem for travel and merchandise rewards
Learn More
mcgraw-hill federal credit union logo McGraw-Hill Federal Credit Union Visa Platinum $0 9.90% to 17.90% 5x points on airfare purchases
1x points on all other purchases
Redeem points for gift cards, toys and personal care items
Learn More
Alliant Credit Union Alliant Credit Union Visa Platinum Rewards $0 0% for 12 months, then 13.99% to 23.99% 2 reward points for every $1 spent Learn More
nasa federal credit union NASA Federal Credit Union Platinum Cash Rewards $0 14.65% to 17.99% Unlimited 1.5% cash back on all purchases Learn More
affinity plus federal credit union Affinity Plus Credit Union Visa Premier Classic $0 8.90% to 18.00% N/A Learn More
Hughes FCU logo 2017 Hughes Federal Credit Union Visa Platinum $0 9.50% N/A Learn More
DCULogo_Spot_wTag Digital Federal Credit Union Visa Platinum Rewards $0 12.00% to 18.00% 1 point for every $1 spent
Bonus points for shopping at the Points Perks Mall or More Points online store
Learn More
affinity plus federal credit union Affinity Plus Credit Union Visa Premier Select Rewards $0 11.90% to 18.00% 1 point for every $1 spent Learn More
gte financial logo GTE Financial Credit Union Go Signature Visa $0 for 12 months; then $60 13.49% to 15.49% 3x points on travel, at gas pumps and home improvement stores
2x on groceries and recurring bills
Learn More

15 Best Credit Union Credit Cards

Use this list to find low-rate credit card offers and compare credit cards to find the best one for your situation. Some credit unions might have certain membership requirements, so do your research to see if you qualify for membership before setting your heart on one of these low interest rate credit cards.

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Here are the best credit cards from credit unions:

State Department Federal Credit Union Visa Platinum

Annual Fee: $0
APR: 7.74% to 15.49%

The State Department Federal Credit Union Visa Platinum Card offers a Flexpoints Rewards program that gives you one Flexpoint for every dollar you spend and five when you use bill pay. Rates start as low as 7.74% APR, and you’ll enjoy perks like no balance transfer or annual card fees. As a cardholder you can also get low rates on insurance products.

Air Force Federal Credit Union Visa Platinum

Annual Fee: $0
APR: 8.25% to 15.25%

When you compare credit cards, consider your lifestyle. If you like to travel and shop, you can take advantage of a rewards program that includes rewards for travel and retail gift cards with the Air Force Federal Credit Union Visa Platinum Card.

You’ll get 2,500 bonus points just for getting the card. You won’t pay any annual fee, and it has a rate as low as 8.25% APR for all purchases, balance transfers and cash advances.

Related: 10 Best Military Banks and Credit Unions of 2017

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Pentagon Federal Credit Union Platinum Rewards Visa Signature

Annual Fee: $0
APR: 9.49% to 17.99%

You’ll be automatically 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 an annual fee or foreign transaction fees, and rates start at 9.49% APR for purchases and cash advances. You’ll earn a $100 bonus statement credit after you spend $1,500 in the first 90 days.

Pentagon Federal Credit Union Premium Travel Rewards American Express

Annual Fee: $0
APR: 9.49% to 17.99%

If you’re a frequent flyer this might be one of the best credit union credit cards for you — you’ll earn five points on all eligible airfare purchases and one point on everything else you buy. The card does not have annual or foreign transaction fees and you’ll receive perks including complimentary 24/7 concierge service. Take advantage of the intro offer that gives you 20,000 bonus points after spending $2,500 within three months.

Check Out: 10 Best Airline Credit Cards

Navy Federal Credit Union cashRewards

Annual Fee: $0
APR: 10.40% to 18%

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Earn 1.5 percent cash back on purchases with the Navy Federal Credit Union cashRewards Credit Card. All cardholders are also eligible for Visa Signature Perks that include mobile card and wallet services, chip technology and fraud monitoring services.

There’s no limit on the rewards you can earn and they never expire. In addition, you won’t have to worry about any annual, balance transfer or foreign transaction fees and you might be able to save money with low purchase and balance transfer rates that range from 10.40 to 18 percent.

Navy Federal Credit Union GO REWARDS

Annual Fee: $0
APR: 10.24% to 18%

With a GO REWARDS credit card, you can redeem your points for travel, gift cards, retail items or even cash. You’ll earn three points at restaurants, two points when you buy gas and one point for everything else. All cardholders are also eligible to receive Visa Signature Perks, which include fraud monitoring and mobile wallet services.

NASA Federal Credit Union Platinum Advantage Rewards

Annual Fee: $0
APR: 10.65% to 17.99%

You can earn cash back and rewards with the NASA Federal Credit Union Platinum Advantage Rewards credit card. You pay just 7.90% APR on all balance transfers you make within 90 days of opening the account — and the rate continue as long as the transfer stays on your account. You’ll pay no annual, foreign transaction or balance transfer fees and you’ll get exclusive benefits, including auto rental insurance, 24-hour emergency assistance and an extended warranty program.

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McGraw-Hill Federal Credit Union Visa Platinum

Annual Fee: $0
APR: 9.90% to 17.90%

McGraw-Hill Federal Credit Union Visa Platinum cardholders earn Prosper Rewards for eligible purchases. You can redeem points for gift cards, travel and merchandise with this Visa card.

Rates start at 9.90% APR and you might qualify for a credit line of up to $30,000. You’ll also get discounts on travel, restaurants and merchandise, plus automatic insurance coverage benefits, including auto rental insurance and cell phone protection.

Alliant Credit Union Visa Platinum Rewards

Annual Fee: $0
APR: 0% for 12 months; 13.99% to 23.99% thereafter

Take advantage of the 0% APR introductory rate for 12 months on all purchases and balance transfers with the Alliant Credit Union Visa Platinum Rewards Card. You’ll earn two rewards points for every dollar you spend and you can redeem rewards for cash back, gift cards, merchandise and travel.

You can also donate your rewards to your favorite charity. Earn 5,000 bonus points when you spend $500 or more in qualifying purchases as a new cardholder in the first three billing cycles.

Read: Best Credit Unions — 15 Top Picks for International Credit Union Day

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NASA Federal Credit Union Platinum Cash Rewards

Annual Fee: $0
APR: 14.65% to 17.99%

Earn unlimited 1.5 percent cashback on all your everyday purchases with the NASA Federal Credit Union Platinum Cash Rewards card. Take advantage of the introductory balance transfer rate of 7.90% for the life of the transfer for transfers you make during the first 90 days.

The rate ranges from 14.65% to 17.99% APR after the introductory period, depending on your creditworthiness. You can apply online and if you qualify for this card you might be able to get a credit line of up to $30,000.

Affinity Plus Credit Union Visa Premier Classic

Annual Fee: $0
APR: 8.90% to 18%

Earn rewards on all your purchases with the Affinity Plus Credit Union Visa Premier Classic Card and receive real-time fraud monitoring and a service that ensures your rate is updated when your credit score improves. The variable APR ranges from 8.90 to 18 percent and changes with your credit score. There is no annual fee or balance transfer fee and cardholders are eligible or Visa alerts and rental vehicle damage waivers.

Hughes Federal Credit Union Visa Platinum

Annual Fee: $0
APR: 9.5%

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You’ll enjoy a higher credit limit with this card than the Hughes Federal Credit Union classic card — the Visa Platinum Card offers credit limits up to $25,000 with no annual fee. You’ll also get identity theft and purchase security coverage, plus medical and legal referral assistance and trip assistance. Although you won’t earn cash back or rewards points with this card, you can save money with the 9.50% APR on balance transfers, cash advances and purchases.

See Also: The Easiest Credit Cards to Get

Digital Federal Credit Union Visa Platinum Rewards

Annual Fee: $0
APR: 12% to 18%

Earn rewards on all your purchases with the Digital Federal Credit Union Visa Platinum Rewards credit card. You’ll earn bonus points when you shop at certain online merchants and you won’t pay an annual fee. You can lock in a low rate for all your purchases, cash advances and balance transfers. In addition, you’ll receive insurance, car rental, travel and warranty benefits.

Affinity Plus Credit Union Visa Premier Select Rewards

Annual Fee: $0
APR: 11.90% to 18%

You’ll be enrolled in the CURewards program when you get an Affinity Plus Credit Union Visa Premier Select Rewards card and can earn one CURewards point for every dollar you spend. Redeem your rewards for cash back, travel purchases or merchandise and receive Signature Rewards that include up to $1 million in travel accident insurance. You’ll pay no annual or balance transfer fees.

GTE Financial Credit Union GTE Go Signature Visa

Annual Fee: 13.49% to 15.49%
APR: $0 for 12 months; $60 thereafter

You can earn double and triple rewards points in several categories with the GTE Financial Credit Union GTE Go Signature Visa card. If you spend $3,000 within the first three months you’ll earn 10,000 points worth $100.

Your rewards can add up quickly because you’ll earn triple points on gas, travel and home improvement store shopping. You’ll earn double points on everyday expenses, including groceries and recurring bill payments. The card is free for the first year, then you’ll pay $60 annually.

Up Next: What Is the Difference Between Banks and Credit Unions?

Methodology: GOBankingRates.com identified the best credit union credit cards by analyzing annual fees, purchase APRs and rewards offers. All fees and rates are subject to change at the credit card issuers’ discretion. And, some bonus offers may or may no longer be available on the credit card issuers’ websites, depending on how you access the web page.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.

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About the Author

Sabah Karimi

Sabah Karimi is an award-winning writer with more than 10 years of experience writing about personal finance, lifestyle topics, and consumer trends. Her work has appeared on U.S. News & World Report, Business Insider, Yahoo!, AOL Daily Finance, MSN, and other mainstream publications. She was interviewed by The Wall Street Journal and CBS News about her work as a freelance writer early in her career and now works with a variety of clients.

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