Credit union credit cards often carry lower interest rates than their big bank counterparts. They also come with fewer fees, lower or no balance transfer fees and fewer wild, out-of-the-blue charges. One complaint against the cards is that they’re harder to get. Another is that credit union cards can have some pretty terrible rewards programs. The list below of the 15 best credit union cards includes cards with surprisingly good cash back rewards (1% to 1.5%), low interest and other excellent perks. The first four cards shown below are definitely the cream of the crop, but the other offerings have some enticing features of their own.
The last of our very best credit union credit cards is the Redwood Credit Union Visa Platinum card. This card offers “points” for rewards instead of cash back, but the points can be redeemed for 1% cash back on all purchases. Cardholders get one point for every dollar spent and the points can also be redeemed for travel, merchandise, gift cards, charity donation and more. There’s no annual fee and their lowest available interest rate is 8.99%.