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Verdict: It’s not easy to stand out in the crowded world of rewards credit cards. And while the Navigant Credit Union Maximum Rewards Platinum Credit Card certainly isn’t a top-tier card, it does offer a fairly generous rewards program. It also comes without an annual fee. The only problem? The card’s purchase interest rate, if your credit isn’t top-notch, can rise awfully high. Because of this, this is a better card for consumers who don’t plan on carrying a balance from month to month.
Overview: This card’s rewards program is more generous than basic programs, but not quite as generous as top-tier programs. Still, if you use your card often, it is possible to rack up a significant number of rewards points in a short period of time.
How This Card Works: You’ll earn rewards points with every purchase you make with this card. You can then redeem these points for merchandise, gift cards, travel on major airlines or cash.
Travel and Shopping Benefits: You’ll earn one-and-a-half points for every dollar that you charge on your Maximum Rewards Platinum Credit Card. That’s a simple program, and a fairly effective one. It certainly outranks cards that allow you to earn just one point for every dollar that you charge. It’s not quite as lucrative as top-of-the-line rewards programs that give you extra rewards points — sometimes as high as five for every dollar that you charge — for specific purchases.
Fees: If you have a low credit score, you could end up with a purchase interest rate of as much as 19.99 percent. If your score is strong, your purchase interest rate will instead be 13.99 percent. Even that’s not a great rate, so it’s best to carry as low a balance as possible with this card. On the positive side, the card comes with no annual fee, and its other fees are standard for the industry. Cash advances cost $15 or 5 percent of the advance amount, whichever is higher. Late-payment and returned-payment fees are as much as $35.
- No annual fee.
- Generous rewards program.
- High purchase interest rates.
- Rewards program not quite as lucrative as the ones that come with top-tier cards.