What are the best credit union credit cards?

The best credit union credit cards are the PenFed Platinum Rewards Visa Signature® Card and the Alliant Cashback Visa® Signature Credit Card.

The PenFed Platinum’s initial bonus is $100 for purchases of at least $1,500 in the first 90 days of account opening. As for ongoing rewards, you can earn 1 - 5 points per $1, depending on your spending category.

The Alliant Cashback Visa doesn’t offer an initial bonus, but comes with a steady 2.5% cash back, without categories to track.

Both cards offer 0% foreign transaction fees. And although the Platinum Rewards has a $0 annual fee, the Alliant Cashback Visa comes with an annual fee of $0 1st yr, $99 after.

Keep in mind, though, that you must have excellent credit to qualify for these cards. And whichever card you choose to apply for, you must have a membership first to be able to do so.