The Top 10 Credit Union Credit Cards

Here are the 10 best Credit Union Credit Cards I've come across. These cards offer low rates or earn above average rewards. Some even feature low rates and earn industry leading rewards. While membership is limited for a number of these credit unions, some are open to all.

Pentagon Federal Credit Union Visa Platinum Rewards Card This card earns 5.00% cash back on the purchase of gasoline and 1.25% cash back on all other purchases. Rewards are credited monthly. There is no annual fee for this card. Rates are as low as 13.99% fixed. Field of membership in Pentagon Federal Credit Union is open to all by virtue of membership in the National Military Family Association for $20.

Agriculture Federal Credit Union Visa Platinum Card This card earns 1.25% cash back on all purchases. Rewards are paid out monthly. Credit limits go as high as $30,000 and rates are as low as 12.9%. Field of membership in Agriculture Federal Credit Union is open to all through membership in CityDance Ensemble for $20.

Navy Federal Credit Union Flagship Rewards Visa Card This card earns 1 point for every $1 in purchases. Points may be redeemed for airline tickets, hotel stays, merchandise, gift cards or cash. Reward value is up to 2.5% of every dollar spent. Rates on this card are as low as 7.90% and there are no cash advance fees. Credit limits go as high as $80,000. This card carries a $49 annual fee. Field of membership for Navy Federal includes all Department of the Navy Personnel and their family among others. See site for additional details.

Achieva Credit Union Emerald Cash Rewards Visa Card This card earns 1% cash back on the first $5,000 spent during the year and 2% cash back on purchases over $5,000. Rewards are paid out each November. Cash advances have a 2% fee with a $10 maximum. Rates are as low as 8.90%. You must make 5 or more transactions per billing cycle in an active Achieva Credit Union checking account to qualify for the rewards of this card. Field of membership in Achieva Credit Union is extended to those who live or work in the Florida Counties of Pinellas, Hernando, or Pasco.

Coastal Federal Credit Union Infinity Visa Card This card features a fixed rate as low as 5.99%. There are no cash advance fees for this card. Purchases made with this card earn 1 ScoreCard Reward point for every dollar spent. Field of membership in Coastal Federal Credit Union is open to all by virtue of membership in the Coastal Capital Club for $10.

Lake Michigan Credit Union Platinum Prime Link Visa Credit Card This card offers a rate as low as Prime +0%. This card also features no annual fee, no balance transfer fees, and no cash advance fees. Credit lines for this card range from $500 to $25,000. Field of membership in Lake Michigan Credit Union is extended to those who live, work, worship, or attend school in the Michigan Counties of Allegan, Kent, Muskegon or Ottawa. Membership is also extended to those who are over the age of 55 and receive a retirement payment(ex. Social Security, annuity, pension) and live in or belong to a retirement organization in the county or a county adjacent to where the credit union's main office is located.

Educational Systems Federal Credit Union Double Platinum Visa Card This Double Platinum Visa card earns 2 ScoreCard Rewards points for every $1 you spend on purchases. ScoreCard Rewards points can be redeemed for a variety of rewards including merchandise and travel. This card also currently offers a low apr of 1.9% apr for the first 12 months for new cardholders. Field of membership in Educational Systems Federal Credit Union includes students of PG County Public Schools, Charles County Public Schools, Calvert County Public Schools, and St. Mary's County Public Schools in Maryland as well as their immediate family. Employees of a number of certain select organizations are also eligible for membership in this credit union. See site for additional details.

Kinecta Federal Credit Union Platinum Visa This card earns DreamMiles. DreamMiles can be redeemed for merchandise, airline tickets, travel discounts, dining, and gift cards. Gift card redemptions give up to the equivalent of 1.66% cash back. This card offers credit limits of up to $50,000 and rates as low as Prime +2%. Field of membership in Kinecta Federal Credit Union is open to all by virtue of membership in the Consumers Cooperative Society of Santa Monica for $10.

NASA Federal Credit Union Visa Platinum Card with cashRewards. This card offers up to 2% cash back on purchases with no limit on the amount of cash back you can earn. Cash back on this card is determined by the card balance at the end of each monthly billing cycle. Balances of up to $1,000 earn 1% cash back, balances from $1,001 to $2,000 earn 1.25% cash back, and balances of $2,001 and up earn 2% cash back. Cash back is applied annually to the cardholders November statement. This card also features no annual fee and no balance transfer fees. Field of membership in NASA Federal Credit Union is open to all by virtue of membership in certain associations that anyone may join. See site for additional details.

BrightStar Credit Union Cash Rewards Platinum Visa Card. This card offers 1.25% cash back on purchases. Cash back is limited to $600 per year. There is no annual fee for this card and balances transfered within the first 10 days of account opening will earn a rate as low as 0% apr for the first 6 billing cycles. Field of membership in Bright Star Credit Union is extended to those who live, work, or attend school in Broward or Palm Beach County in Florida as well as family of those eligible for membership.