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Star Trek Credit Card review

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The rewards are weighed down by a $39 annual fee.

  • Get this card if you spend heavily at
  • Pick something else if you spend only moderately at
  • Apply with a good to excellent credit score of 670 or higher.


Welcome offer

Up to 3x



Annual fee

9.4% to 17.99%

Purchase APR (variable)


Product NameStar Trek Credit Card
Card typeVisa
Annual fee$39
Purchase APR9.4% to 17.99% variable
Balance transfer APR6.9% intro for the first life of balances transferred (then 9.4% to 17.99% variable)
Cash advance rate11.4% to 18% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Penalty APR18% variable
Foreign transaction feeNone
Late payment feeUp to $35
Returned payment feeUp to $35

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The Star Trek Credit Card is a $39 annual-fee card that offers 3x points on purchases at It comes with a strong signup bonus of $300 cash back after you spend $2,000 in the first 90 days.

The card’s rewards are worth more than they seem, as points are worth 1.5 cents each when redeemed for cash back. That’s superior to the industry-standard redemption rate of 1 cent per point. And it means you’ll earn an attractive 4.5% rewards rate on purchases, 3% on gas station purchases and 1.5% on all other purchases, instead of 3x, 2x and 1x points, respectively.

Alternatives to the Star Trek Credit Card

While the Star Trek Credit Card offers a unique 4.5% rewards rate on purchases, its other rewards aren’t special. Here are some recommended alternatives:

  • Citi® Double Cash Card: Get flat-rate cash back.
    This card offers 1% cash back on all purchases and another 1% cash back as you pay them off. It also has no annual fee.
  • Wells Fargo Propel American Express® Card: Get strong rewards on gas.
    This card offers a 3% rewards rate at gas stations — equivalent to the Star Trek Credit Card’s rate — and it has no annual fee.

How to apply for the Star Trek Credit Card

  1. Visit the NASA FCU website.
  2. Decide which card design you want and click Apply now.
  3. Complete the application with details such as your full name, address, employment information and your annual income.
  4. Review your information and submit your application.

This card requires membership in the NASA Federal Credit Union

You can join the NASA Federal Credit Union if you are:

  • An employee of a NASA Center, current or retired.
  • A member or employee of a NASA Federal association or partner organization.
  • A relative of a NASA Federal member, or you currently live with one.

If you don’t meet any of these requirements, you can join by becoming an affiliated member of the National Space Society. NASA FCU will give you a complimentary membership. Keep in mind you’ll need to deposit at least $5 in a Share Savings account.

What credit score do I need?

You have better odds of approval if you apply with a good to excellent credit score of 670 or higher.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

Bottom line

The Star Trek Credit Card is a unique concept, and it offers a great 4.5% rewards rate on purchases. However, its other rewards are nothing special. And while it has no balance transfer fees, you might find its intro balance transfer APR underwhelming.

Luckily, you’ll find plenty of good cashback alternatives and many excellent 0% intro APR options. Consider these before taking the plunge with the Star Trek Credit Card.

Every Star Trek episode ranked

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