The Christian Community Credit Union must have a lot of members because the Christian community sure is big. At any rate, you’re interested in the Christian Community Credit Union Credit Card, so let’s take a gander at what it offers. First off, it’s important to note that the Christian Community Credit Union Card requires excellent credit for approval, which means it must have some pretty good rewards or low introductory interest rates to warrant applying for. Starting with rewards, the CCCU Credit Card offers one rewards point for each dollar you spent, which you can redeem for electronics, appliances, travel, and more. That’s it. There’s no higher earning rate for certain purchase categories or anything like that; just the minimum point earning amount that most cards offer in conjunction with much higher rewards. Moving on to interest rates, the Christian Community CU credit card offers 0% on purchases for six months as well as a 3.9% balance transfer APR for 12 months with a 2% balance transfer fee. Both of those rates are fine, but they certainly aren’t among the best for credit cards for excellent credit. You therefore need some alternatives to the Christian Community Credit Union Credit Card.

If you’re looking for rewards, some of my personal favorites are the Chase Sapphire Preferred, which offers an initial bonus worth $625 in travel or $500 in cash; the Capital One Cash Rewards Card (1.5% across all purchases); and the Amex Blue Cash Everyday (3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% everywhere else). If you want low interest rates, I’d go with either the Citi Diamond Preffered (0% on purchases and transfers for 18 months) or the Discover More Card, which offers 0% for 15 months as well as some decent rewards. Any of these cards would be preferable to the Christian Community Credit Union Credit Card.