Online Credit Unions

The best credit union cash back credit card is the PenFed Power Cash Rewards Visa Signature® Card because it offers 1.5 - 2% cash back on purchases. It also comes with a $0 annual fee, which helps you get the most out of the cash back rewards you earn. Just be sure to pay your statement balance in full each month, or else interest charges will diminish your overall savings.

Best Credit Union Cash Back Credit Cards

Most credit union cash back credit cards require good credit or better for approval. You can check your credit score for free on WalletHub to get a sense of your chances. Also, bear in mind that credit unions require a membership before you can open an account. You may have to work for a specific employer, live in a particular area, be part of a group such as a school or government agency, or have a relative who is already a member to be eligible.

If you don't meet the credit unions' requirements, consider getting one of the best cash back credit cards from a bank.

To open a bank account with Hawaii State Federal Credit Union you'll need to provide some basic information, such as your Social Security Number or Individual Tax Identification Number (ITIN), a U.S. government-issued photo ID, and a funding source like a credit card, debit card, or another checking or savings account.

However, keep in mind that membership eligibility is also a factor. You must meet the eligibility criteria to join Hawaii State Federal Credit Union. For the most...