Best of

Best Credit Union Credit Cards of 2019

NerdWalletApril 3, 2019

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NerdWallet's Best Credit Union Credit Cards of 2019

Our pick for

Cash back

Alliant Cashback Visa® Signature Credit Card

on Alliant Credit Union's website

on Alliant Credit Union's website

Annual Fee

$99

Waived first year

Regular APR

12.49% - 14.99% Variable

Intro APR

N/A

recommended credit score

The Alliant Cashback Visa® Signature Credit Card boasts a best-in-class rewards rate. No foreign transaction fee also makes it a worthy travel companion.

Our pick for

Balance transfers

Aspire Federal Credit Union Platinum Rewards MasterCard Credit Card

on Aspire Federal Credit Union's website

on Aspire Federal Credit Union's website

Annual Fee

$0

Regular APR

10.90% - 18.00% Variable

Intro APR

Purchase: None

recommended credit score

The Aspire Platinum Rewards Mastercard® can buy you some time to dig your way out of debt. It passes the "triple zero" test for balance-transfer cards: a $0 annual fee, a $0 initial balance transfer fee, and a 0% introductory APR period (terms apply). It also earns rewards.

Our pick for

Low ongoing interest

Lake Michigan Credit Union Prime Platinum Visa Credit Card

on Lake Michigan Credit Union's website

on Lake Michigan Credit Union's website

Annual Fee

$0

Regular APR

8.50% Variable

Intro APR

N/A

recommended credit score

Balance carriers with excellent credit can skip an annual fee and save big on interest with the Lake Michigan Credit Union Prime Platinum Card.

Our pick for

Bad credit

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card

on Digital Federal Credit Union's website

on Digital Federal Credit Union's website

Annual Fee

$0

Regular APR

13.75%, Variable

Intro APR

N/A

recommended credit score

The DCU Visa® Platinum Secured Credit Card is an excellent credit-building tool. It reports to all three major credit bureaus (TransUnion, Equifax and Experian, companies that gather the information used to calculate your credit scores). It also offers the chance to upgrade to a regular Digital Federal Credit Union credit card if you keep up a good payment history.

Last updated on April 3, 2019

Methodology

NerdWallet's credit cards team selects the best 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 in multiple categories.