What Are The Best Credit Union Credit Cards? (2021)

What Are The Best Credit Union Credit Cards? (2021)

We found the best credit union credit cards available to consumers today, and our list contains a breakdown and comparison based on different financial needs.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Credit unions are member-only financial institutions, offering various methods of joining depending on the organization. Many people prefer to bank with a credit union as the members contribute to making decisions for the interest of the entire group. Providing the same services as traditional banks — such as deposits and loans — credit unions also offer credit cards. In some instances, some credit union cards may even outperform products put out by traditional banks.

After looking through dozens of credit union credit cards out there, six cards are worth highlighting based on various consumer needs:

Best Credit Union Credit Cards

Credit card
Best for...
Annual fee
unavailable credit card
Alliant Cashback Visa® Signature Credit CardCash back$99, waived the first yearRead Review
unavailable credit card
USAA® Cashback Rewards Plus American Express® CardMilitary members$0Read Review
unavailable credit card
PenFed Platinum Rewards VISA Signature® CardGas and grocery purchases$0Offer not available on this site
unavailable credit card
Savings Secured Visa Platinum CardSecured credit card$0Offer not available on this site
unavailable credit card
USAA® Rate Advantage Visa Platinum® CardLow interest$0Read Review
unavailable credit card
Choice Rewards World Mastercard® from First Tech FCUBalance transfers$0Offer not available on this site
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2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Alliant Cashback Visa\u00ae Signature Credit Card\" href=\"#Alliant\"\u003E\u003Cstrong\u003EAlliant Cashback Visa\u00ae Signature Credit Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Cash back","$99, waived the first year","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/alliant-cashback-credit-card\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA\u00ae Cashback Rewards Plus American Express\u00ae Card\" href=\"#USAA\"\u003E\u003Cstrong\u003EUSAA\u00ae Cashback Rewards Plus American Express\u00ae Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Military members","$0","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/usaa-credit-cards\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"PenFed Platinum Rewards VISA Signature® Card\" href=\"#PenFed\"\u003E\u003Cstrong\u003EPenFed Platinum Rewards VISA Signature® Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Gas and grocery purchases","$0","\u003Cem\u003EOffer not available on this site\u003C\/em\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Savings Secured Visa Platinum Card\" href=\"#Savings\"\u003E\u003Cstrong\u003ESavings Secured Visa Platinum Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Secured credit card","$0","\u003Cem\u003EOffer not available on this site\u003C\/em\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA\u00ae Rate Advantage Visa Platinum\u00ae Card\" href=\"#USAARate\"\u003E\u003Cstrong\u003EUSAA\u00ae Rate Advantage Visa Platinum\u00ae Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Low interest","$0","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--tertiary\" title=\"Read Review\" href=\"https:\/\/www.valuepenguin.com\/usaa-credit-cards\"\u003ERead Review\u003C\/a\u003E\u003C\/span\u003E"],["\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"unavailable credit card\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/unavailable-card-update_c5bzxf\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/unavailable-card-update_c5bzxf 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Choice Rewards World Mastercard® from First Tech FCU\" href=\"#Choice\"\u003E\u003Cstrong\u003EChoice Rewards World Mastercard® from First Tech FCU\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Balance transfers","$0","\u003Cem\u003EOffer not available on this site\u003C\/em\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"900","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
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Alliant Cashback Visa® Signature Credit Card: Best Credit Union Cashback Rewards Credit Card

For most people looking for a credit card through a credit union, the Alliant Cashback Visa® Signature Credit Card is the best option. This card offers its members a lucrative yet straightforward rewards rate: earn 2.5% cash back on all purchases. Most cards can only match these kinds of rewards in a couple of categories — such as dining and grocery stores — and offer a mere 1% return on all other purchases. With the Alliant Cashback Visa® Signature Credit Card, you get an above-average rewards rate anywhere you shop without worrying about optimizing bonus categories.

The card comes with an annual fee of $99, waived the first year. Therefore, the Alliant Cashback Visa® Signature Credit Card is best for those with moderate to high monthly expenses. If you spend at least $330 per month — or $3,960 per year — you'll earn enough cash back to compensate for the annual fee. The table below estimates the cash back you'll make based on how much you spend:

Spend
Cash back
$330 monthly, $3,960 per year$99 cash back
$1,000 monthly, $12,000 per year$300 cash back
$3,000 monthly, $36,000 per year$900 cash back
$5,000 monthly, $60,000 per year$1,500 cash back
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For high spenders, the return on this card will be even greater. The sky's truly the limit with this card — you can earn unlimited cash back on all purchases with no maximum. If you don't spend at least $3,960 each year, we'd recommend looking at other credit cards with no annual fees.

The Alliant Cashback Visa® Signature Credit Card excels in all other categories, too. There are no foreign transaction fees with this card, and it offers an APR as low as 11.99% to 14.99% variable. With this card, you'll also earn the following protections, both for travel and everyday purchases:

  • Travel accident coverage. When purchasing your trip with this card, you'll receive up to $250,000 of protection in the event of accidental death and dismemberment while traveling.
  • Rental car collision coverage. When paying for your rental car in full with this card and declining the rental company's policy, you'll receive complimentary auto rental coverage due to collision or theft.
  • Roadside assistance. You'll have access to 24-hour, pay-per-use roadside dispatch for towing, tire changing, jump starting and more.
  • Purchase protection. When paying with this card, you'll receive coverage for the first 90 days, with a maximum of $500 per claim and $50,000 per cardholder. This protection also doubles manufacturer warranties through double warranty coverage.
  • Personal identity protection. You can receive up to $5,000 in reimbursement for covered expenses to restore your identity.

Despite all of this card's excellent protections, this card's only downfall is its lack of a sign-up bonus. However, if you are more interested in long-term gains, this shouldn't affect your decision. With a superb cashback rate, the Alliant Cashback Visa® Signature Credit Card provides tremendous value for most spenders.

Highlights

  • 2.5% cash back on all purchases
  • Annual fee of $99, waived the first year
  • Foreign transaction fees: None

Who can join the Alliant credit union?

Current or retired employees of businesses and organizations partnered with Alliant in the U.S., a domestic partner or an immediate family of a current Alliant member and those who live or work in a community near the Alliant corporate headquarters in Chicago are eligible to join Alliant credit union.

If you don't qualify for any of the methods listed above, you can also become a member of Foster Care to Success (FC2S) to gain Alliant membership. FC2S is a nonprofit that serves thousands of foster teens in the United States. Those who live outside of the U.S. can also become a member of Alliant if they have either a valid Social Security number or an Individual Taxpayer Identification Number (ITIN).

USAA® Cashback Rewards Plus American Express® Card: Best for military members

If you are currently serving in the military or are about to be deployed, consider getting the USAA® Cashback Rewards Plus American Express® Card. The card lets users Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on your first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases. Most other credit cards only offer 1% to 2% rewards on military base purchases, so this is a serious upgrade. Assuming you spend $10,000 on purchases each year, the following table estimates the number of points you'd earn.

Annual spending
Cash back
$3,000 on gas and military base purchases$150
$3,000 on supermarket purchases$60
$4,000 on all other purchases$40
Total$250
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This card offers favorable benefits to military members, offering a $0 annual fee and no foreign transaction fees. You'll also receive the following benefits when traveling:

  • Auto rental coverage. By paying for your rental car with this card, you'll receive 31 days of built-in auto rental coverage worldwide.
  • Travel accident insurance. When purchasing your travel ticket with this card, you can receive reimbursement of up to $500,000 for the loss of life or limb when traveling.
  • Trip cancellation and interruption insurance. When buying your travel ticket with this card, you can receive up to $1,500 per covered person for nonrefundable fare if your trip is canceled or interrupted.
  • Baggage delay reimbursement. You can receive up to $100 a day (for up to three days) if your checked baggage is delayed by four or more hours.

Highlights

  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. Earn 2% on your first $3,000 on supermarket purchases per year. Unlimited 1% cash back on all other purchases.

Who can join the USAA credit union?

Active and former military and their eligible family members — such as spouses, widows, children — are eligible to join USAA credit union.

PenFed Platinum Rewards VISA Signature® Card: Best for gas and grocery purchases

Consumers who want to save money on typical everyday expenses should apply for the PenFed Platinum Rewards VISA Signature® Card. Out of all the credit union credit cards, no other card offered comparable rewards rates in gas and groceries. Cardholders can earn 5x Points on gas purchases paid at the pump. 3x Points on groceries. 1x Points on all other purchases. Assuming you spend $15,000 in one year, here are the rewards you can expect:

Annual spending
Rewards
$3,000 on gas15,000 points
$6,000 on groceries18,000 points
$6,000 on all other purchases6,000 points
Total39,000 points
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These rewards are uncapped — the more you spend, the more you earn. You'll earn rewards in the form of points redeemable for gift cards, travel and retail.

The PenFed Platinum Rewards VISA Signature® Card comes with a sign-up bonus, unlike most credit union cards: Earn a $100 Statement Credit when you spend $1,500 in first 90 days. Those dealing with existing credit card debt can also use this card to pay down those balances interest-free for a year. The card offers a 0% promotional balance transfer rate for 12 Months on transfers made between now and March 31, 2021, subject to a 3% transfer fee (then a 13.49% to 17.99% variable APR applies). Despite this, you are still likely to come out ahead if you manage to skip paying interest for a year.

Finally, this card has $0 annual fees and no foreign transaction fees, rounding out the PenFed Platinum Rewards VISA Signature® Card as a solid option for everyday users.

Highlights

  • $100 Statement Credit when you spend $1,500 in first 90 days
  • 5x Points on gas purchases paid at the pump. 3x Points on groceries. 1x Points on all other purchases.
  • Foreign transaction fees: None

Who is eligible to join the PenFed credit union?

While PenFed was initially created for military members and federal employees, almost any U.S. citizen or permanent resident can now join PenFed credit union.

Savings Secured Visa Platinum Card: Best credit union secured credit card

For those looking to build their credit and are struggling to qualify for a standard credit card, the Savings Secured Visa Platinum Card is an exceptional offer. Issued by the State Department Federal Credit Union (SDFCU), the Savings Secured Visa Platinum Card does what very few credit cards for bad credit do. This card offers a rewards program, provides low interest and charges a $0 annual fee. Most cards targeted at people with bad credit typically do the opposite, offering high interest rates and no rewards programs.

Instead, the Savings Secured Visa Platinum Card charges a reasonable APR of 11.99% Variable and provides Earn Flexpoints Rewards - 1 point for every $1 spent. You'll earn FlexPoint Rewards, which can be redeemed for gift cards, merchandise, hotel stays, airline tickets and more. While the rewards rate is nothing extraordinary, most secured credit cards lack a rewards program altogether.

The Savings Secured Visa Platinum Card also has a 0% foreign transaction fee and a 0% balance transfer fee — these fees are common among secured credit cards from major banks and other credit unions. Waiving the foreign transaction fee allows you to use this card outside of the U.S. and bypass the standard 3% charge. With no balance transfer fee, you can also lower your debt to build up your credit.

With any secured credit card, you'll have to put down a security deposit that will determine your credit line. The Savings Secured Visa Platinum Card has a minimum credit line of $250. With responsible card use, you can graduate to the standard Platinum Rewards Credit Card and retrieve your security deposit.

Highlights

  • Earn Flexpoints Rewards - 1 point for every $1 spent
  • Minimum security deposit of $250
  • $0 annual fee, 0% balance transfer fee and 0% foreign transaction fee

Who is eligible to join the SDFCU credit union?

U.S. Department of State employees and on-site contractors and their family and household members, organizational affiliates (full list available on the SDFCU website) and members of the Affiliate Consumer Council (ACC) are eligible to join the SDFCU credit union.

USAA® Rate Advantage Visa Platinum® Card: Best low interest credit union credit card

The USAA® Rate Advantage Visa Platinum® Card can provide cardholders with a lower APR than most credit cards on the market — from 6.90% - 23.90% variable. Like most credit union credit cards, however, interest rates on this card are offered as a range, and your creditworthiness determines your final APR. If you're approved for this card with a high APR, we don't recommend carrying any balance on the card, as the interest charges can snowball quickly.

Even if you get this card and are given a high APR, you can negotiate a lower rate over time. Assuming you make all your payments on time and your account remains in good standing, you can try to call USAA after a few months and request your interest be lowered. While this isn't guaranteed, anecdotal advice suggests that credit unions are generally open to such requests.

Other benefits include $0 annual fee and $0 foreign transaction fees. Like other USAA credit cards, you'll enjoy the following travel protection benefits:

  • Auto rental coverage. By paying for your rental car with this card, you'll receive 31 days of built-in auto rental coverage worldwide.
  • Travel accident insurance. When purchasing your travel ticket with this card, you can receive reimbursement of up to $500,000 for the loss of life or limb when traveling.
  • Trip cancellation and interruption insurance. When buying your travel ticket with this card, you can receive up to $1,500 per covered person for nonrefundable fare if your trip is canceled or interrupted.
  • Baggage delay reimbursement. You can receive up to $100 a day (for up to three days) if your checked baggage is delayed by four or more hours.

Highlights

  • 6.90% - 23.90% variable regular APR
  • $0 annual fee
  • $0 foreign transaction fees

Who is eligible to join the USAA credit union?

Active and former military and their eligible family members — such as spouses, widows, children — are eligible to join USAA credit union.

Choice Rewards World Mastercard® from First Tech FCU: Best credit union balance transfer card

The Choice Rewards World Mastercard® from First Tech FCU allows users to get an introductory APR of 0% for 12 billing cycles on balance transfers (then an 8.25% - 18.00% Variable APR applies) — perfect for those who need to transfer their balance, potentially saving hundreds of dollars in interest. In addition to being a solid balance transfer card, you can start to earn rewards with the sign-up bonus: 20,000 points when you spend $3,000 in the first 60 days.

With this card, you'll continually earn a decent rewards rate on a large number of categories: 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on other purchases. There is no limit to how many points you can earn, and points never expire. You can redeem your rewards for travel, merchandise, events, experiences, gift cards and cash.

For a $0 annual fee, the Choice Rewards World Mastercard® from First Tech FCU can benefit both users in need of balance transfers and those looking to earn rewards on everyday spending. Since this card is a World Mastercard, you'll also enjoy other benefits — including a complimentary Shoprunner membership for free two-day shipping on hundreds of stores, cellular phone protection and more.

Highlights

  • Get an introductory APR of 0% for 12 billing cycles on balance transfers (then an 8.25% - 18.00% Variable APR applies)
  • 20,000 points when you spend $3,000 in the first 60 days
  • 2 points per $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point per $1 spent on other purchases

Who is eligible to join the First Tech Federal Credit Union?

Employees of a partnered organization (full list available on the First Tech Federal Credit Union website), employees of the state of Oregon, employees working or living in Lane County, Ore. or those who belong to the Computer History Museum or the Financial Fitness Association.

Is it easier to get a credit card from a credit union?

In many cases, it may be easier to get a credit card from a credit union than a traditional bank. By belonging to a credit union, you are not only a member but a co-owner of the institution as a whole. Since credit unions are much smaller and personalize their services to their members, you have a greater chance of asking for reconsideration if your credit card application is denied.

How to apply for a credit union credit card

To apply for a credit card through any credit union, you must first become a member of the credit union. Check your eligibility first, as some credit unions only offer membership to military members, government workers and their family members. Reach out to your employer and see if they are partnered with any credit unions already. Once you're a part of a credit union, you will apply similarly to any other card application.

ValuePenguin's verdict

Credit union credit cards are a great way to get started with your line of credit or earn potentially higher rewards than any other traditional credit card can offer. Because most credit unions aren't accessible to the general public, you'll want to make sure you qualify for membership status beforehand. Before picking a credit union card, be sure to compare any fees, rewards programs and APRs to maximize value on your spending.

The information related to Alliant Cashback Visa® Signature Credit Card, USAA® Cashback Rewards Plus American Express® Card, PenFed Platinum Rewards VISA Signature® Card, Savings Secured Visa Platinum Card, USAA® Rate Advantage Visa Platinum® Card and Choice Rewards World Mastercard® from First Tech FCU been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Stella Shon

Stella Shon is a travel credit cards writer with ValuePenguin. After studying abroad in Paris three years ago, she became determined to keep traveling. That’s when she discovered the world of points and miles, which enabled her to travel on a student budget. Since then, she’s flown over 150,000 miles and earned more than 500,000 points and miles with eight different credit cards. While in college, she even co-founded her own travel agency, helping her peers plan and book trips on a budget. As a recent journalism graduate from UNC-Chapel Hill, her goal is to write about travel to make it simpler and achievable for everyone. Her work has also appeared on JetBlue, The Points Guy, Travel + Leisure and CNBC.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).