Best Credit Union Credit Cards of January 2022
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Credit unions are member-owned cooperatives whose mission is to help the communities they serve succeed financially. Profits that a bank might distribute to its shareholders or owners are instead returned to members in the form of better interest rates and fees. As a result, some credit unions offer better credit cards than you might find at a bank, depending on what you're looking for.
To get a credit card from a credit union, you must be a member. You can usually qualify based on where you live, work or worship, or if you have a qualifying relative. If you don't meet the standard eligibility requirements, some credit unions allow you to join by donating to a partner organization.
Credit unions are member-owned cooperatives whose mission is to help the communities they serve succeed financially. Profits that a bank might distribute to its shareholders or owners are instead returned to members in the form of better interest rates and fees. As a result, some credit unions offer better credit cards than you might find at a bank, depending on what you're looking for.
To get a credit card from a credit union, you must be a member. You can usually qualify based on where you live, work or worship, or if you have a qualifying relative. If you don't meet the standard eligibility requirements, some credit unions allow you to join by donating to a partner organization.
Best Credit Union Credit Cards
Our pick for
Travel
on Pentagon Federal Credit Union's website
on Pentagon Federal Credit Union's website
Annual fee
$95
Intro APR
0% promotional rate for 12 months on balance transfers made between now and March 31, 2022
Regular APR
14.99%-17.99% Variable APR
Recommended Credit Score
The PenFed Pathfinder® Rewards Visa Signature® Card offers premium travel perks without the added cost. With its generous rewards rate, you can also rack up points toward your next vacation.
The PenFed Pathfinder® Rewards Visa Signature® Card offers premium travel perks without the added cost. With its generous rewards rate, you can also rack up points toward your next vacation.
Pros
This credit card's travel perks and features can help put your travel goals into action. Cardholders earn 3 points per $1 spent on travel purchases and 1.5 points per $1 spent on all other purchases. If you’re part of the PenFed Honors Advantage program, you get a slightly higher rate of 4 points per $1 spent on travel-related purchases. The card's rich welcome offer can defray some of your travel costs. You can earn 50,000 bonus points after spending $3,000 in purchase transactions within the first 90 days of account opening. And its two noteworthy perks — a $100 annual air travel credit and a statement credit to cover the application fee for TSA Precheck or Global Entry programs — can provide ongoing value.
Cons
You must be a PenFed credit union member to qualify for this credit card. Everyone is eligible to join, but it will require a few extra steps such as submitting an application and opening a PenFed savings account with a $5 deposit.
Rate and offers current as of January 1, 2022 and subject to change.
50,000 bonus points after spending $3,000 in purchase transactions within the first 90 days of account opening.
4x points on travel for Honors Advantage Members, 3x points on travel for everyone else
1.5x points on all other non travel purchases
$100 annual domestic air travel ancillary statement credit
$100 Global Entry or $85 TSA Pre-check statement credit
Complimentary Annual Priority Pass Select™ membership
$95 annual fee - As a PenFed Pathfinder® Rewards cardholder, if you qualify for Honors Advantage (member of the military or Access America or Free Checking account holder) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to maintain the eligibility requirements, you will no longer be eligible for the waiver. You will receive advance notice of this change.
No foreign transaction fee
No cash advance fees
Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
Digital wallet capable
Purchase variable Rate As Low As 14.99% APR
0% promotional rate for 12 months on balance transfers made between now and March 31, 2022. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
Cash Advance APR 17.99%
Our pick for
Bad credit
Annual fee
$0
Intro APR
N/A
Regular APR
11.50%-18.00% Variable
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.
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.
Pros
There's no limit on how much you can deposit, and, therefore, no limit on your credit line. With a good payment history, you can eventually get that deposit back and possibly upgrade to a regular DCU credit card within a year. Your payment history — a key component in your credit scores — will be reported to the bureaus that compile credit reports.
Cons
Though there's no maximum deposit, there's a very high minimum of $500 — much higher than what other secured cards require. Plus, you’ll have to qualify for membership at Digital Federal Credit Union. You can get that deposit back eventually, but you’ll have to part with it for at least a year.
Secured card rates well below the national average
Borrow against your DCU savings account
No Annual Fee*
No Fees or Higher Rates for Cash Advances and Balance Transfers
Works with Apple Pay®, Google Pay™, and Samsung Pay
Insurance, car rental, travel, and warranty benefits
Optional Overdraft Protection On Your DCU Checking
Buy online easily and safely with Visa Checkout
Embedded EMV chip to protect your card information
Our pick for
Cash back with no annual cost
on Pentagon Federal Credit Union's website
on Pentagon Federal Credit Union's website
Annual fee
$0
Intro APR
0% promotional rate for 12 months on balance transfers made between now and March 31, 2022
Regular APR
14.99%-17.99% Variable APR
Recommended Credit Score
This card's ongoing rewards make it a valuable pick for PenFed members, especially if you can qualify for the 2% rate, which puts it among the best in class.
This card's ongoing rewards make it a valuable pick for PenFed members, especially if you can qualify for the 2% rate, which puts it among the best in class.
Pros
The PenFed Power Cash Rewards Visa Signature® Card holds a lot of value for a $0-annual-fee card. It offers an unlimited 1.5% cash back on all purchases. (If your checking account or military status qualifies you for the Honors Advantage program, that rate rises to 2%.) There's also a solid bonus for new cardholders.
Cons
Membership is required to qualify for the PenFed Power Cash Rewards Visa Signature® Card. Even though it’s easy to join, it still requires a few extra steps. You’ll have to submit an application and make a $5 deposit into a PenFed savings account to join.
Rate and offers current as of January 1, 2022 and subject to change.
$100 statement credit after spending $1,500 in purchase transactions within the first 90 days of account opening
2% cash back on all purchases through the PenFed Honors Advantage program
1.5% unlimited cash back on all purchases
Flexible cash redemption options (Power Cash statement credit or cash-out to a checking or savings account)
No caps, limits or category restrictions on cash rewards
No annual fee
No foreign transaction fees
No cash advance fee
Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
Digital wallet capable
Purchase variable rate as low as 14.99% APR
0% promotional rate for 12 months on balance transfers made between now and March 31, 2022. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
Cash Advance APR 17.99%
Our pick for
Everyday purchases
Annual fee
$0
Intro APR
1.99% intro APR on balance transfers for 12 months
Regular APR
9.65%-18.00% Variable APR
Recommended Credit Score
It's rare to find cards that earn such elevated rewards across so many popular spending categories, and rarer still to encounter no caps on those higher rates.
It's rare to find cards that earn such elevated rewards across so many popular spending categories, and rarer still to encounter no caps on those higher rates.
Pros
The Navy Federal Credit Union® More Rewards American Express® Credit Card offers rich and unlimited bonus rewards across multiple everyday categories like groceries, gas, dining and transit. (All other purchases earn 1 point per $1 spent.) There's also a rich welcome offer.
Cons
You’ll have to be a Navy Federal Credit Union member to qualify for this card. Membership is limited to current or former members of the military, Department of Defense employees, or their qualifying family members. And since it's an AmEx, you may encounter limited global acceptance abroad.
3X points at supermarkets
3X points on gas and transit
3X points at restaurants and on food delivery
1X points on everything else
No annual fee
No balance transfer fee
No foreign transaction fees
No cash advance fees
Our pick for
Travel with current or former military status
Annual fee
$49
Intro APR
1.99% intro APR on balance transfers for 6 months.
Regular APR
9.99%-18.00%, Variable
Recommended Credit Score
You'll get generous ongoing rewards, as well as some perks that are usually found on higher-annual-fee cards, all of which can easily outweigh the annual fee.
You'll get generous ongoing rewards, as well as some perks that are usually found on higher-annual-fee cards, all of which can easily outweigh the annual fee.
Pros
The $49-annual-fee Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card earns 3 points per $1 spent on travel and 2 points per $1 on all other purchases. That base rewards rate helps you pile up points even when you're not traveling. There's also a statement credit toward Global Entry or TSA Precheck application fees.
Cons
Credit union membership is required and is limited to military or Department of Defense employees and qualifying family members. And the $49 annual fee may be unappealing.
Get our Flagship credit card and earn 30,000 bonus points (a $300 value) when you spend $3,000 within 90 days of opening an account
3X points on travel
2X points on everything else
Receive statement credit (up to $100) for Global Entry or TSA Preè
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 also charges an annual fee, and 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 August 20, 2021
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.
