Compare credit union credit cards 2019 |

Want to know more about credit union credit cards?

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Find out how credit unions differ from banks and compare your options here.

Credit unions provide a range of financial products and services that are similar to conventional banks. They are often run by members who focus on providing benefits to all of their members and the profits are usually passed on in the form of more competitive products and services.

Use this guide to learn how to compare and chose credit union credit cards, and how they’re different to banks.

Our pick for a credit union card

PenFed Platinum Rewards Visa Signature® Card

  • 0% APR promo balance transfer rate for 12 months now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary w/the market based on prime rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of April 1, 2019 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.99% APR
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Compare credit union credit cards

Updated April 19th, 2019
Name Product Filter values Rewards Purchase APR Annual Fee
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
12.99% to 17.99% variable
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases
11.99% to 17.99% variable
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
11.99% to 17.99% variable
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
11.99% to 17.99% variable
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
9.24% to 17.99% variable
Low APR on all purchases including cash advances.
9.15% to 26.15% variable
This card offers the same low rate for purchases, cash advances and balance transfers.
13.75% variable
A great way to establish or improve your credit history.
Earn 1 point per dollar spent on purchases
18% variable
Earn rewards while building credit.
14.24% variable
Created to help you establish or rebuild credit.
Members First Credit Union Visa Platinum Secured Credit Card
Members First Credit Union Visa Platinum Secured Credit Card
18% fixed
Rebuild your credit score with a fixed APR for purchases and balance transfers.
Members First Credit Union Visa Platinum Select Credit Card
Members First Credit Union Visa Platinum Select Credit Card
11% to 18% variable
No annual fee and free balance transfer plus a low intro APR of for months on purchases.

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How does a credit union work?

Credit union credit cards tend to have lower ongoing interest rates and annual fees than those provided by larger financial institutions. They may also come with extras such as rewards programs or complimentary travel insurance and other perks.

To get a credit union credit card, you need to become a member of the credit union, which usually involves a fee of around $5 to $25. You may also need to open an everyday transaction account before or during your application for a credit union credit card.

Once you’re a member, you also have the opportunity to influence how the credit union is run. For example, you may be able to vote at annual general meetings or provide feedback that influences the features of different products.

What’s right for me? Credit unions or banks?

Credit union Banks
Focus Provide better member experiences and improve their financial situation with quality products and suitable advice. Maximize profits for their shareholders, so they can attract more investors.
Profit Goes back into the system to provide its members competitive rates and offerings. Goes to its shareholders. The bank might invest some of it in different kinds of financial products.
Security Credit unions offer Mastercard and Visa credit cards, both of which provide secure payment systems and protection against fraudulent electronic transactions. Banks offer the same security measures.
Rewards Credit unions provide credit cards linked to a limited amount of major rewards programs. Banks offer a range of rewards credit cards as well.
Other benefits You have a say on how the credit union is run as a member. Banks also offer added features through their credit cards, but you might have to pay higher annual fees in this case.

How to compare credit union credit cards

girls comparing credit cardsInclude the following factors in your comparison to find the right credit union for you:

  • Standard interest rates.
    Credit union credit cards tend to have lower standard purchase rates than bank options. Some credit union cards also apply the same interest rate to both purchases and cash advances (rather than having a separate and higher cash advance rate).
  • Promotional interest rates.
    As credit union credit cards typically offer low ongoing interest rates, the promotional rate offers may be more conservative.
  • Balance transfers.
    Some credit union credit cards don’t offer balance transfers. The cards that do provide this service are less likely to have a 0% interest rate during the introductory period when compared to cards from banks. However, credit union credit cards usually have a lower ongoing interest rate than typical credit cards.
  • Annual fees.
    Most credit union credit cards have low annual fees. There are also some credit union credit cards that don’t charge an annual fee.
  • Grace period.
    If you pay your balance in full by the statement due date each month, you could get up to a certain number of interest free days for each statement period. This feature is available with both credit union and bank credit cards.
  • Rewards.
    Credit unions offer fewer rewards credit cards than banks. There are still a few options that offer points for purchases made on the account. For example, the Navy Federal Credit Union Rewards card offers one point per every dollar you spend on eligible purchases.
  • Other fees.
    The most common fees include international transaction charges, late payment fees and cash advance fees.
  • Complimentary extras.
    In general, only gold or platinum credit union credit cards will offer complimentary extras such as travel insurance or concierge services.
  • Branch access.
    Credit unions may have a more limited branch network when compared to larger financial institutions.

Benefits and disadvantages of credit union credit cards


  • Competitive ongoing interest rates.
  • Lower annual fees.
  • Same interest rate for purchases and cash advances.
  • Personalized service.


  • You have to meet membership eligibility requirements.
  • Limited reward options.
  • Limited balance transfer options.
  • Less competitive introductory offers.

Other factors to consider

  • Community.
    As well as being focused on benefitting members, credit unions usually have a community focus. For example, they may provide funding for local community groups and schools, encourage arts and performance while working on building stronger human bonds.
  • Limited membership.
    Some credit unions also limit membership to people in specific industries. For example, Teachers Mutual Bank primarily offers membership to retired and current teachers, university students studying to become teachers and other employees in the education sector.
  • Banking differently.
    As a result of these credit union features, people often pay as much attention to a credit union’s philosophy as they do to specific products and features. This level of involvement means that credit unions often suit people who want to completely change the way they bank.

Credit unions also try to make sure they only lend to people who can make repayments and that they have support services in place to help members going through rough patches.

Now that you know more about the different structure and focus of credit unions, you can compare these cards with the larger financial institutions to find one that suits all of your needs.

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