The Best Credit Card for You: Compare Rewards, Rates and Fees
Choosing the right credit card is an important step in your financial journey. The best option for you depends on your credit profile and how you plan to spend, save and manage your money. At Rogue Credit Union, we offer a range of credit cards, each designed for different budgets and goals. Comparing the rewards, rates and fees can help you find the card that fits your goals.
Visa Signature Rewards
The Visa Signature Rewards card is the newest addition to our lineup, designed for members who want to maximize the value of every dollar they spend. It offers up to 4% cash back across popular spending categories, designed to make every day more rewarding:
- 4% cash back on dining
- 3% cash back on fuel and EV Charging
- 2% cash back on groceries
- 1% cash back on all other purchases
This card has a higher starting rate than our other cards, providing more rewards and built-in benefits. It’s best suited for members who pay off their balance each month and want to earn rewards in return.
Credit limits start at $5,000, giving you flexibility for everyday spending and larger purchases. You’ll also get access to a suite of added benefits, like roadside dispatch, cellular telephone protection, event ticket protection and Dovly Uplift credit booster.
Visa Platinum
The Visa Platinum card is a balanced option that offers the lowest rate of all our credit cards. It also earns 1% cash back on all purchases, which is automatically deposited into your Ownership Account.
The Visa Platinum card focuses on keeping rates low, making it a strong fit for members who may occasionally need to carry a balance. It’s made for members who want a low rate, consistent cash back and select additional benefits.
Credit limits start at $1,000, so you can cover everyday spending and larger purchases. You’ll also get access to travel coverage, lost luggage reimbursement, identity theft protection and extended warranty protection.
Visa Classic
The Visa Classic card is a straightforward option, designed for members who are new to credit or rebuilding their credit history. It comes with a mid-tier rate and no annual fee*. Credit limits start at $250. You may also be eligible to use this card for overdraft protection, providing extra flexibility when you need it.
This card focuses on what matters most when you’re establishing credit: consistency and transparency. If you’re looking for simplicity and a solid foundation for your credit journey, the Visa Classic delivers exactly that.
Student Credit Cards
We offer two student credit cards, each designed for members who are starting their journey to financial well-being.
- Rogue Climbers Visa Card: 1% cash back on all purchases and no annual fee* for members ages 13-17, with credit limits starting at $250
- Student Silver Visa Card: 1% cash back on all purchases and no annual fee* for college students, with credit limits starting at $250
Both cards offer lower rates, making them a safe and low-risk option for learning how to use credit while building credit history. Travel Accident Insurance is included, so you’re covered even if a spring break adventure takes an unexpected detour.
Finding the Right Fit
Every Rogue Visa card is designed to support a different step in your financial journey. Student cards help you get started. The Visa Classic keeps things simple, while the Visa Platinum balances low rates with cash back. The Visa Signature Rewards card, our newest addition, gives you the greatest earning potential and premium benefits.
Compare each card’s rewards and rates to find the right fit for your financial journey.
| Best for | Cash Back | Rate | Credit Limit | Annual Fee | |
| Visa Signature Rewards | Maximizing rewards | Up to 4% cash back | High | Starts at $5,000 | None |
| Visa Platinum | Low rate and steady rewards | 1% cash back | Low | Starts at $1,000 | None |
| Visa Classic | Building or rebuilding credit | None | Mid-Tier | Starts at $250 | None |
| Rogue Climbers Visa | Teens building credit | 1% cash back | Low | Starts at $250 | None |
| Student Silver Visa | College students | 1% cash back | Low | Starts at $250 | None |
All Rogue Visa cards include no annual fee*, no balance transfer or cash advance fees, and no rate hikes for late payments. You’ll also get access to Card Controls, mobile wallet compatibility and instant-issue service at our branches.
You can apply online anytime, or get personalized advice from a friendly Member Service Representative. Send us a chat, call 800.856.7328 or schedule an appointment at your local branch to get started.
*Rogue Visa Credit Cards are subject to credit approval. Additional terms, conditions and details are available at roguecu.org/creditcard
