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Verdict: The Navigant Credit Union Maximum Rewards Signature credit card boasts a solid rewards program and a purchase interest rate under 14 percent. If you’re looking for a rewards program in which you can generate points fairly quickly, and if you can keep your card balance low, this signature credit card can prove a wise financial choice.
Overview: This card comes with a straightforward rewards program, one that doesn’t require you to remember special purchase categories that generate more rewards points than others. That’s a positive. But it can also be a negative: Though this rewards program is easy to understand, you won’t be able to earn extra points for any of your card purchases.
How This Card Works: The Navigant Credit Union Maximum Rewards Signature card provides you with rewards points with every purchase that you make with it. Once you’ve earned enough points, you can turn them into cash, airfare on major airlines, merchandise or gift cards.
Travel and Shopping Benefits: You’ll earn earn one-and-a-half rewards points for every dollar that you charge with this card. You can then redeem these points by visiting the online Maximum Rewards Guide and selecting everything form merchandise to free airfare to cash back. The card also comes with zero liability protection, an extended warranty feature, emergency travel assistance and purchase protection.
Fees: This card comes with a reasonable purchase interest rate of 13.99 percent. It also comes with no annual fee. Other fees are fairly standard for the consumer credit card industry. Cash advances will cost you $15 or 5 percent of the advance amount, whichever figures comes out higher. Late-payment and returned-payment fees can both hit as high as $35.
- No annual fee.
- Solid purchase interest rate.
- Straightforward rewards program.
- Penalty interest rate of 29.99 percent.
- Rewards program provides no opportunity to earn extra points with certain purchases.