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Pacific Coastal CU Credit Cards – Fee Free w/Goodies

Pacific Coastal CUs Credit Cards

Pacific coastal CUs (credit unions) all offer credit card rewards in some form as well as no annual fees, and mostly without any fees whatsoever. Simple pricing and simple choices are, well, simple.

Of note is AlaskaUSA offering low fixed credit card interest rates on everything. BECU offers not only low long-term interest rate on their cards but also super, super low introductory rates.

K.I.S.S. Credit Cards

The five states in the Pacific Coastal credit card market include California, Washington, Oregon, Hawaii and Alaska with a total population of 50 million.

Unlike the mega national credit card issuers offering tons of credit card options, the Pacific Coastal CUs pride themselves on no-hassle credit cards with much lower interest rates than the big boys. says Robert McKinley, Senior Analyst for CardTrak, CardFlash and CardData.

California Credit Unions

Golden 1 Credit Union, based in Sacramento, with more than one million members, offers three personal credit cards and no business credit cards. The most popular personal credit card is the Golden 1 Platinum Rewards Visa Credit Card.

The most popular personal credit card is the Golden 1 Platinum Rewards Visa credit card offers a 3% cash rebate on gas, grocery, and restaurant purchases and a 1% cash rebate on all other purchases. Credit lines range from $2,000 to $30,000.

The no annual fee Golden 1 Platinum Rewards Visa Credit Card carries a variable, risk-based interest rate currently ranging from 9.79% to 15.79%. There is also no balance transfer fee.

Golden 1 also offers:

Golden 1 Platinum Rewards Student Visa Credit Card

Golden 1 Platinum Secured Visa Credit Card

Golden 1 Credit Union is the 2nd largest credit union in California and the 6th largest in the United States with assets of more than $12 billion.

Washington Credit Unions

BECU, based in Tukwila, with over 1.2 million members, offers six personal credit cards and two business credit cards. The most popular personal credit card is the BECU Low Rate Visa Credit Card.

The BECU Low Rate Visa Credit Card offers a super low rate and no fees of any kind. Besides no annual fee, there is no balance transfer fees, no cash advance fees and no foreign transaction fees. There is also a $0% intro APR for 12 months on both purchases and balance transfers.

The BECU Low Rate Visa Credit Card carries a variable, risk-based interest currently ranging from 8.90% to 19.90%.

BECU also offers:

BECU Cash Back Visa Credit Card

BECU University of Washington Low Rate Visa Credit Card

BECU University of Washington Cash Back Visa Credit Card

BECU Boeing Employees and Retirees Low Rate Visa Credit Card

BECU Boeing Employees and Retirees Cash Back Visa Credit Card

BECU Visa Business Credit Card

BECU Visa Business Card Rewards Credit Card

BECU is the largest credit union in Washington and the 4th largest in the United States with assets exceeding $21 billion.

Oregon Credit Unions

OnPoint Community Credit Union, based in Portland with nearly 400,000 members, offers three personal credit cards and one business credit card. The most popular personal credit card is the OnPoint Signature Visa with Rewards Credit Card.

The OnPoint Signature Visa with Rewards Credit Card offers 3 points for every purchase on travel, 2 points on dining and 1.25 points on everything else, and points never expire. The card offers a 2.99% APR for introductory period of 6 months on balance transfers and a 4.99% introductory APR for 12 months from account opening for purchases.

The no annual fee OnPoint Signature Visa with Rewards Credit Card carries a variable, risk-based interest rate currently ranging from 12.00% to 16.50%. There is no balance transfer fee or foreign transaction fee.

OnPoint Community Credit Union also offers:

OnPoint Platinum Visa with Rewards Credit Card

OnPoint Platinum Business Visa with Rewards Credit Card

OnPoint Community Credit Union is the largest credit union in Oregon with nearly $6 billion in assets.

Hawaii Credit Unions

Hawaii State Federal Credit Union, based in Honolulu, with more than 100,000 members, offers three personal credit cards and one business credit card. The most popular personal credit card is the Hawaii State FCU Visa Signature Cash Rewards Credit Card.

The Hawaii State FCU Visa Signature Cash Rewards Credit Card offers 2% cash back on all purchases for 90 days and 1% on all purchases thereafter. The credit union also offer a free first “Design Your Own Card” for the first 60 days after issuance, thereafter a $9.95 per card fee applies.

Besides no annual fee, there is no cash advance fee, no balance transfer fee, and no foreign transaction fee. The Hawaii State FCU Visa Signature Cash Rewards Credit Card carries a variable, risk-based interest rate currently ranging from 11.90% to 13.90%.

Hawaii State FCU also offers:

Hawaii State FCU Visa Platinum Rewards Credit Card

Hawaii State FCU Share Secured Visa Platinum Rewards Credit Card

Hawaii State FCU Business Visa Signature Rewards Credit Card

Hawaii State Federal Credit Union is the second largest credit union with about $1.7 billion in assets.

Alaska Credit Unions

Alaska USA Federal Credit Union, based in Anchorage, with nearly 700,000 members. offers two personal credit cards and no business credit cards. The most popular personal credit card is the AlaskaUSA Visa Platinum Credit Card with ScoreCard Rewards.

The AlaskaUSA Visa Platinum Credit Card with ScoreCard Rewards earns one ScoreCard Rewards point for each purchase. Points can be redeemed for flights, travel and merchandise. Free flights start at 10,000 points, you can book as close as 3-days in advance with no Saturday night stay requirements.

The AlaskaUSA Visa Platinum Credit Card with ScoreCard Rewards carries a fixed, risk-based interest rates of 10.5%, 12.5% or 14.5%. The interest rate applies to purchases, balance transfers, and cash advances.

There is a $50 annual fee, but waived for checking account customers. There are no fees for balance transfers or foreign transactions.

AlaskaUSA FCU also offers:

AlaskaUSA Visa Secured Credit Card

Alaska USA Federal Credit Union is the largest credit union in Alaska with assets of nearly $8 billion.

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