Chip Lupo, Credit Card Writer
The best credit union cash back credit card is the Alliant Cashback Visa® Signature Credit Card because it offers 1.5 - 2.5%* cash back on purchases. It also comes with a $0 annual fee, which helps you get the most out of the cash back rewards you earn. Just be sure to pay your statement balance in full each month, or else interest charges will diminish your overall savings.
Keep in mind that you must be an Alliant Credit Union member to be eligible to apply for the card. Anyone who donates $5 and becomes a member of Foster Care to Success (FC2S) is eligible for Alliant membership. Alliant will even reimburse you for the $5 FC2S membership fee.
Best Credit Union Cash Back Credit Cards
Most credit union cash back credit cards require good credit or better for approval. You can check your credit score for free on WalletHub to get a sense of your chances. Also, bear in mind that credit unions require a membership before you can open an account. You may have to work for a specific employer, live in a particular area, be part of a group such as a school or government agency, or have a relative who is already a member to be eligible.
If you don’t meet the credit unions’ requirements, consider getting one of the best cash back credit cards from a bank.
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