BEST CREDIT CARDSBEST CREDIT CARDSBEST CREDIT UNION CREDIT CARDS
BEST OF

Best Credit Union Credit Cards

Updated: Jul 19, 2024
Claire Tsosie
Written by
Assigning Editor
Kenley Young
Edited by
Fact Checked
Assigning Editor
Fact Checked
Claire Tsosie
Written by
Assigning Editor
Kenley Young
Edited by
Fact Checked
Assigning Editor
Fact Checked
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
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NerdWallet's Best Credit Union Credit Cards

Best Credit Union Credit Cards

Credit card
NerdWallet rating
Annual feeRewards rateIntro offer
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Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Our pick for

Travel

Our pick for

Bad credit

Our pick for

Cash back with no annual cost

Our pick for

Everyday purchases

Our pick for

Travel with current or former military status

FULL LIST OF EDITORIAL PICKS: BEST CREDIT UNION CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

» FOR ELEVATED CASH BACK

The Alliant Cashback Visa® Signature Credit Card is designed for big spenders, although perhaps not the biggest spenders. It offers the highest ongoing rewards rate of any flat-rate cash-back card, but it limits the amount of spending that earns rewards. (That limit is high, but it's still a limit.) If you're expecting to put more than $2,500 a month on a credit card, this is an excellent one to put it on. Read our review.

» FOR GENERAL-PURPOSE TRAVEL REWARDS

With premium perks for a $95 annual fee (which can be waived in some cases), jet-setters will get a lot of value from the PenFed Pathfinder® Rewards Visa Signature® Card. It also offers a generous rewards rate on travel purchases and a decent flat rate on everything else. Plus, you’ll get travel credits and a Priority Pass membership that offers airport lounge access for $32 per visit. Read our review.

» FOR BALANCE TRANSFERS

With debt, the Aspire Platinum Rewards Mastercard® is a decent match to pay off a balance over a short term. It offers a $0 annual fee, a 0% intro APR period and a low balance transfer fee. Terms apply. Membership at Aspire Federal Credit Union is required to be eligible for this card. It's easy to join with a few extra steps. Read our review.

» FOR BAD CREDIT

With low fees and interest, the DCU Visa® Platinum Secured Credit Card has the ideal features to help you build credit. You'll have to clear a few hurdles to qualify for this second-chance credit card. To be eligible, you must be a member of Digital Federal Credit Union and pay a steep security deposit requirement.  Read our review.

» FOR CASH BACK WITH NO ANNUAL COST

The PenFed Power Cash Rewards Visa Signature® Card offers 1.5% cash back on all purchases, the gold standard among flat-rate credit cards. Some PenFed members may qualify for more rewards. Honors Advantage program members get an additional 0.5% back, bringing their cash-back earnings rate up to 2%. Read our review.

» FOR EVERYDAY PURCHASES

It's easy to rack up rewards on everyday purchases with the Navy Federal Credit Union® More Rewards American Express® Credit Card. It offers 3 points per dollar spent on groceries, gas, dining and transit. All other purchases earn 1 point per dollar spent. You’ll have to be a Navy Federal Credit Union member to qualify. Membership is typically limited to current or former members of the military, Department of Defense employees, or their qualifying family members. Read our review.

» FOR TRAVEL WITH CURRENT OR FORMER MILITARY STATUS

The Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card can take your travel goals further with perks typically found on cards with higher annual fees. For a $49 annual fee, you earn 3 points per dollar spent on travel and 2 points per dollar spent on everything else. You’ll have to be a Navy Federal Credit Union member to qualify. Membership is typically limited to current or former members of the military, Department of Defense employees, or their qualifying family members. Read our review.

Last updated on July 19, 2024

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

About the author

Portrait of author

Claire Tsosie

Claire is an assigning editor for NerdWallet. Her work has been featured by Forbes, USA Today and The Associated Press. Read more
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