We looked at all the things that can stand in the way of your rewards, and just said, “no”. No annual fee, no balance transfer fee, no foreign transaction fee and a FREE rewards program that has no travel or category restrictions. Without all of these fees holding you back, you can accrue more valuable points, at 1.5 rewards points for every dollar you spend.
You deserve more. Compare and save.
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RCU Visa Signature®
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Wells Signature
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Capital One®
Quicksilver® Cash Rewards
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Citi Costco Card
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| Purchase Rate |
12.99% |
14.74% – 27.74% |
16.24% – 26.24% |
17.49% |
| Annual Fee |
No annual fee |
No annual fee |
No annual fee |
Costco Membership – $55 |
| Balance Transfer Fee |
$0 |
3% or $5
whichever is greater |
3% |
3% or $5
whichever is greater |
| Foreign Transaction Fee |
None |
3% of each transaction |
None |
None |
| Late Payment Fee |
Up to $15 |
Up to $37 |
Up to $38 |
Up to $39 |
| Cash Advance Fee |
$0 if done at an RCU location, otherwise 2% or $20 |
Either $10 or 5% of the amount of each transaction, whichever is greater |
Either $10 or 3% of the amount of each cash advance, whichever is greater |
Either $10 or 5% of the amount of each transaction, whichever is greater |
| Comparisons are to other rewards credit card programs. Information gathered from bank websites 5/7/19. RCU rate listed as of 5/1/19 and assumes excellent credit. All rates terms, and special offers subject to change. For cash advances at non-RCU locations, the greater of 2% of the advance amount or $20 will apply. Certain restrictions apply. |