The Best Credit Union Credit Cards For 2023

If you want a credit card, get a credit union card. To clarify, a credit union is a non-profit alternative financial institution. It functions like a cooperative. Credit union credit cards have a lot of benefits. At the same time, they are accepted as a mode of payment in all places. Some credit union credit cards are good for cashback, while others give you excellent reward points. Let’s know about some of the best credit union credit cards.

10 Best Credit Union Credit Cards

1. Alliant Cashback Visa Signature Card

Alliant Cashback Visa Signature card is the best credit union credit card for cashback. The card gives you 2.5% cash back regardless of category tracking for $10,000 payments. It applies to a single billing cycle if you have a qualifying account. Over 10,000 dollars, you get a cashback of 1.5%. However, there is no welcome bonus on this card.

The card does not have an annual fee or monthly service fees. Moreover, there is no Intro APR and foreign transaction fees. The balance transfer fee is 3%. The regular APR is 16.49% to 26.49% variable. Most importantly, the card works with Google Pay, Apple Pay, and Samsung Pay.

Pros

• The card gives you a cashback of $250 on each billing cycle.
• The cashback does not need activation and does not have any spending caps.
• There are no charges if you spend money outside the United States.

Cons

• You must pay an annual fee of $99 after the first year.
• There are no special financial offers or welcome bonuses.

2. PenFed Platinum Rewards Visa Signature

PenFed Platinum Rewards Visa Signature cards have 5X reward points on some payments. That includes payments at gas stations and EV charging stations. On the other hand, there are 3X reward points for shopping at supermarkets and payments at restaurants. In addition, you get 3X reward points for cable TV and online streaming payments. This credit union credit card gives you 1X reward points on other types of shopping. These rewards make it a worthy credit card for young adults.

You also get 15,000 bonus points on spending $ 1,500 in the first 90 days. The intro balance transfer APR is 0 for one year. After that, the APR is 3%. The Purchase Variable APR is 17.99%.

Pros

• There are no annual charges for the card.
• Also, there is no foreign transaction fee.
• The card has very high reward points.

Cons

• Negatively, only the members of the PenFed Credit Union can get the credit card.
• Also, you can redeem the reward points only through the PenFed website.
• You get only a one-time offer of 15,000 bonus points. On the other hand, you get a better bonus on other credit cards.

3. Prospera Visa Infinite

This credit union credit card is ideal for grocery shopping. In the first place, you get three reward points for every 1$ grocery that you buy. There are two reward points for 1$ you spend on eating out and entertainment. On the other hand, you get one reward point for additional payments. You get an interest on the balance transfer if you do it in the initial six months. You get emergency medical coverage for two months. The card gives you 15,000 welcome bonus points. Subsequently, you can convert the points into $150 cash.

Pros

• The balance transfer APR for the initial six months is 3.90%.

Cons

• There are $120 annual charges.
• You have to pay $50 for an additional card that you want.

4. Choice Rewards World Mastercard

The card gives you double points on some things that you buy. For example, you get points for buying groceries, gas, and household products. You get 2X reward points on medical and telecommunication payments. Furthermore, the card gives you 1X reward points on purchases other than this category.

There are no foreign transaction charges. Moreover, the intro APR on the initial 12 billing cycles is 0. However, this condition applies to balance transfers within the initial 90 days. The regular APR for the Choice Rewards World credit union credit cards is 13.25% – 18.00% variable.

Pros

• You don’t need to pay an annual fee.
• There is no balance transfer fee.
• It is a good reward program for daily shopping.
• The intro APR offer is reasonable.
• There are no additional charges in case you shop outside the United States.

Cons

• Only members of the PenFed Credit Union can get the credit card.
• You can redeem the reward points only through the PenFed website.
• You get only a one-time offer of 15,000 bonus points. Contrary to that, other credit cards have better bonuses without any restrictions.

5. PenFed Pathfinder® Rewards Visa Signature Card

PenFed Pathfinder® Rewards Visa Signature Cards are most suitable for travel purposes. Indeed, you get very high reward points for travel. There are generous reward points for other spending. Another critical point is that there are annual charges of $95. The purchase variable APR is 17.99%. However, there is no intro balance transfer APR for the card. After one year, you must pay a balance transfer fixed APR of 17.99%.

Furthermore, there is a welcome offer of 50,000 reward points on purchases of $30,000. It applies if you spend money in the first 90 days. The value of the welcome offer is approximately $500. The card gives you up to 4X reward points. All these features make it an ideal credit card for couples. However, you need a minimum 670 credit score for the card.

Pros

• The reward points of this credit card are very high.
• Admittedly, it is the best card for reward points on travel.
• There are no annual charges for members of the PenFed Honors Advantage program.
• Furthermore, you get a $100 annual credit for some domestic airlines.

Cons

• On the flip side, only the members of the PenFed credit union can get this card.
• There are limited options for redeeming the reward points.

6. SDFCU Savings Secured Visa Platinum Card

The card gives you one reward point for spending 1 dollar. You can use the points to pay for travel, charity, events, and shopping. There is a low APR for all types of balances. The purchase APR and balance transfer APR are 16.99% variable. There is no welcome offer for this credit union credit card.

Pros

• You don’t need to pay an annual fee.
• The APR is reasonable.

Cons

• You can apply for the card only if you are a credit union member.
• Your car functions as your collateral. Therefore, it can be risky.

7. Desjardins Cashback Visa Card

Desjardins Cashback Visa cards have 2% cash back on dining, entertainment, and alternative transport payments. On the other hand, there is 0.5% cash back on additional charges.

Furthermore, you get medical coverage on this credit union credit card. The value of the coverage is $5 million. You get coverage if you travel for three days out of the province in an emergency. It includes an amount of $1000 for mobile device insurance.

Pros

• There is no annual fee.
• The card does not have any condition of minimum household income.

Cons

• The card has less cash back than other credit cards.
• There is no welcome bonus.

8. DCU Visa Platinum Rewards Card

DCU Visa Platinum Rewards Cards do not have an intro period or fees for balance transfers. Furthermore, the ongoing APR for the card is low. The card decreases the interest from other accounts. At present, there are no annual charges or welcome offers. The purchase APR and the balance transfer APR is 16.25%. You also get 1X reward points for your payments with this credit union credit card.

Pros

• You get 1X reward points on things you buy.
• The APR is low in comparison to other credit cards.

Cons

• There is no sign-up bonus.
• The card does not have an intro APR period.

9. Conexus World Mastercard

The Conexus World Mastercard gives you two reward points for each $1 spent on buying something. If you travel a lot, it is one of the best credit union credit cards for you. Also, it allows you to use airport lounges through LoungeKey. There are annual charges for the credit card.

Moreover, you get $5 million in medical coverage for emergency travel. Additionally, you get $500 coverage for lost or delayed baggage. You get rental car insurance also.

Pros

• There is no minimum credit score needed for the card.
• There is no minimum income requirement.
• You get limited travel insurance coverage.
• You get the benefits of MasterCard World on this card.

Cons

• The card has an annual fee of $120.

10. Envision Financial World Mastercard

The Envision card gives you the benefits of the World MasterCard. Users get three reward points for each $1 spent on groceries. The reward points give you a maximum of $20,000 help per annum on groceries. Furthermore, you get two reward points for $1 on payments for eating out.

Also, you get two reward points for every dollar you spend on entertainment. The card gives you one reward point for making other payments. It has a high purchase limit amounting to fifteen to twenty thousand dollars. The cap applies to charges on groceries, gas, and entertainment.

You also get emergency medical coverage for two months.

Pros

• There is a 3.90% balance transfer APR for the initial six months.
• You get a $150 welcome bonus.
• There is no minimum income requirement.

Cons

• The card has annual charges of $120.

FAQs

A. Anyone with an annual income of sixty thousand dollars or a household income of 100,000 dollars is eligible for the World MasterCard. You are also eligible to get the card if you have assets of 250,000 dollars.