Premier Rewards Card
40,000 points after you spend $2,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagetexanscu.org
“Earn 40,000 Bonus Points”
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $605 | $205 |
| Typical spender | $905 | $505 |
| Heavy spender | $1,480 | $1,080 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- Lower top APR than about 90% of the 128 cards on our Sign-up bonuses list (see the list).
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
40,000 points
After you spend $2,000 on purchases in your first 3 months.
Limit one bonus points reward offer per new account. Does not apply to requests to convert existing accounts. Bonus points are received within the next 1–2 billing cycles after qualification.
How you earn
- 4× pointsstreaming services
- 3× pointsgas
- 2× pointsdining and restaurants
- 1.5× pointsEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Cell phone
- Extended warranty: Up to one year
- Roadside
- Trip cancellation: Up to $2,000
- Baggage: Up to $3,000
- Emergency assistance
Questions
- What is the annual fee?
- None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 1%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- What is the purchase APR?
- 13.65–17.99% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 40,000 points after $2,000 in purchases in 3 months. texanscu.org, since Oct 2, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$395 a year
- GM Rewards MastercardBarclays · No annual fee+$395 a year
- CareCredit MastercardSynchrony · No annual fee+$205 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).