Is it better to get a credit card through your bank or credit union?

There may be advantages to getting a credit card from a credit union compared to a bank. While each institution may offer cards with similar names and similar rewards, you should also look at the rate charged on balances: Credit unions, such as Affinity, are member-owned and often offer lower rates because they don’t have to generate extra profits to pay to shareholders.

Can credit unions give credit cards?

Yes. Credit unions can offer credit cards along with most or all of the services people typically associate with banks, such as checking accounts, loans, investment services, and business checking.

Is a credit union card a credit card?

A credit card from a credit union works the same way as a credit card from a bank or financial institution. However, because credit unions are member-owned, they may charge lower rates and offer better rewards to satisfy member needs.

Can you get a credit union rewards credit card?

Yes. For example, the Affinity Visa® Pure Rewards Card has a rewards program that provides points for every dollar spent and offers a flexible choice of cash back, merchandise, travel and other rewards.

Do credit unions charge balance transfer fees?

It depends on the situation. There is typically a balance transfer fee when a sum is transferred to a card with a low introductory annual percentage rate (APR).

What credit score is needed for a credit union credit card?

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