NASA Federal VISA Platinum Cash Rewards Review
NASA Federal VISA Platinum Cash Rewards

CardRatings Editor's Analysis: Pros & Cons
- This card doesn't charge a balance transfer fee, saving you 3-5% over what many cards charge.
- Earn 1.5% cash back on all your eligible purchases – no matter where you shop.
- Take this card along when you head abroad; you won't pay foreign transaction fees.
- This is a flat-rate card with a rewards rate of 1.5% cash back on all your purchases; it's decent, but it's not the best. If you're willing to think through your purchases a bit or even use multiple cards, you can likely earn more with a tiered or rotating categories cash-back card.
NASA Platinum Cash Rewards Credit Card Essentials
Do you want a simple cash-back credit card that offers 1.5% cash back on all your purchases and doesn't charge you a ton of fees? If so, you might want to tune in to what the NASA Platinum Cash Rewards Credit Card has to offer.
Quick glimpse into NASA Platinum Cash Rewards Credit Card:
- No annual fee
- No balance transfer fee
- Flat-rate rewards program
- Car rental insurance, travel & emergency assistance
Top Features
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 13.24% - 27.24%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
What Our Editors Like Most About the NASA Platinum Cash Rewards Credit Card
The NASA Platinum Cash Rewards Credit Card is a good option if you are mild spender with your credit card. Cardholders reap 1.5% cash back on all your purchases, so you can rest assured you're earning a decent return without having to think about which card to use or whether you've hit a spending cap.
The lack of an annual fee and balance transfer fee makes this card competitive. The ongoing balance transfer rate for this card is low and the market average fee for balance transfers is around 3%, so if you have a high balance to transfer, saving this percentage could be a compelling reason to try this card. If you’re struggling to pay off your balance on a high-interest rate credit card, this benefit is worth taking advantage of.
Since NASA Platinum Cash Rewards is a Visa® credit card, you’ll also get many of the same benefits that Visa® cardholders have come to expect, including rental car insurance, 24-hour travel and emergency assistance, zero liability if someone makes fraudulent purchases on your card and free Verified by Visa fraud protection that provides added security when you shop at participating online stores.
Potential Downsides of the NASA Platinum Cash Rewards Credit Card
The most obvious downside is the lack of signup incentives. There’s no 0% APR offer and no signup bonus, but the NASA Platinum Cash Rewards Credit Card’s lack of annual fee and balance transfer fee has the potential to save you more than that over the long term. Plus, that flat-rate cash back could be just the kind of easy rewards system you're looking for.
While you don’t have to be Neil Armstrong to land a NASA card, you do have to be an employee or retired employee of an approved space center, lab, research center or a member of an approved association to become eligible for this credit union – you may have to jump through a hoop or two to earn a membership at this credit union.
How the NASA Platinum Cash Rewards Credit Card Compares to Other Cards
NASA Platinum Cash Rewards Credit Card vs. Bank of America® Customized Cash Rewards credit card
Neither card has an annual fee, but the Bank of America® Customized Cash Rewards credit card has higher ancillary fees: 3 percent (minimum $10) fee on balance transfers and foreign transaction fees. The Bank of America® Customized Cash Rewards credit card, however, offers $200 online cash rewards bonus after you make at least $1,000 in purchases during the first 90 days of account opening, which is a bonus the NASA Platinum Cash Rewards Credit Card lacks.
The cash-back structure also differs on both cards. The Bank of America® Customized Cash Rewards credit card has a new offer to help you maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishing. Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases. You can update your choice category for future purchases once each calendar month using the mobile banking app or online banking, or do nothing and it stays the same.
Who Should Get This Card?
Any eligible person who likes to bank with a credit union and is looking for an everyday card they can use to reap rewards should give this card a moment of thought.
NASA Federal VISA Platinum Cash Rewards Compared to Other Cash back Cards

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