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1.5% Unlimited Cash Back with $0 Annual Fee and $0 Foreign Transaction Fees
Earn unlimited 1.5% cash back on every purchase with no annual fee, no foreign transaction fees, and no categories to track. Full Visa Signature benefits — including luxury hotel access, concierge, and rental car privileges — from a member-owned credit union.
$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Program & Transfers
Reviews & Analysis
A no-annual-fee credit union card earning flat 1.5% cash back on all purchases. Stands out with $0 foreign transaction fees and full Visa Signature benefits. Best for credit union members who value simplicity over maximizing category bonuses.
Details & Terms
| Purchase APR | 17.24%–27.24% (Variable) |
| Cash Advance APR | 27.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
1.5% Unlimited Cash Back with $0 Annual Fee and $0 Foreign Transaction Fees
Earn unlimited 1.5% cash back on every purchase with no annual fee, no foreign transaction fees, and no categories to track. Full Visa Signature benefits — including luxury hotel access, concierge, and rental car privileges — from a member-owned credit union.
$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Program & Transfers
Reviews & Analysis
A no-annual-fee credit union card earning flat 1.5% cash back on all purchases. Stands out with $0 foreign transaction fees and full Visa Signature benefits. Best for credit union members who value simplicity over maximizing category bonuses.
Details & Terms
| Purchase APR | 17.24%–27.24% (Variable) |
| Cash Advance APR | 27.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
1.5% Unlimited Cash Back with $0 Annual Fee and $0 Foreign Transaction Fees
Earn unlimited 1.5% cash back on every purchase with no annual fee, no foreign transaction fees, and no categories to track. Full Visa Signature benefits — including luxury hotel access, concierge, and rental car privileges — from a member-owned credit union.
$0
Annual Fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Program & Transfers
Reviews & Analysis
A no-annual-fee credit union card earning flat 1.5% cash back on all purchases. Stands out with $0 foreign transaction fees and full Visa Signature benefits. Best for credit union members who value simplicity over maximizing category bonuses.
Details & Terms
| Purchase APR | 17.24%–27.24% (Variable) |
| Cash Advance APR | 27.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Combined Protection Value
$11,375
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Covers purchases against damage or theft for 90 days—protect your valuable purchases
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
You pay $0 for unauthorized card use — covered automatically if your card is lost or stolen
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$11,375
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Covers purchases against damage or theft for 90 days—protect your valuable purchases
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
You pay $0 for unauthorized card use — covered automatically if your card is lost or stolen
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$11,375
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Covers purchases against damage or theft for 90 days—protect your valuable purchases
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
You pay $0 for unauthorized card use — covered automatically if your card is lost or stolen
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Extends manufacturer warranties on electronics and appliances—peace of mind beyond standard coverage
Get up to $5,000 reimbursement for covered identity restoration expenses plus NortonLifeLock monitoring
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Extends manufacturer warranties on electronics and appliances—peace of mind beyond standard coverage
Get up to $5,000 reimbursement for covered identity restoration expenses plus NortonLifeLock monitoring
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Extends manufacturer warranties on electronics and appliances—peace of mind beyond standard coverage
Get up to $5,000 reimbursement for covered identity restoration expenses plus NortonLifeLock monitoring
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
