The Titanium Rewards Visa® Signature Card from Andrews Federal Credit Union is a low-cost rewards credit card that doesn't skimp on value. You earn a generous return on gas and groceries, plus above-average rewards on every other purchase.
CNBC Select lays out the Titanium Rewards Visa Signature Card's benefits, rewards and fees to help you decide if it's the best credit card for you.
Titanium Rewards Visa® Signature Card from Andrews Federal Credit Union
Rewards
3X points on gas and grocery purchases and 1.5X points on all other purchases
Welcome bonus
Earn 10,000 points when you spend $1,500 within the first 90 days
Annual fee
$0
Intro APR
N/A for purchases and as low as 6.99% for the life of the balance transfer (offer valid through March 31, 2026)
Regular APR
12.99% to 18.00% variable on purchases and balance transfers
Balance transfer fee
2.00%, $10 minimum
Foreign transaction fee
None
Credit needed
Good
Terms apply.
Pros
- Low variable APR
- No annual fee
- No foreign transaction fee
Cons
- Small welcome bonus
- No intro-APR offer
Titanium Rewards Visa® Signature review
Welcome bonus
The Titanium Rewards Visa® Signature Card has a welcome bonus of 10,000 points after spending $1,500 in the first 90 days of card opening.
Benefits and perks
The Titanium Rewards Visa® Signature Card offers a handful of complimentary shopping and travel protections. You can take advantage of:
- Rental car collision damage waiver
- Extended warranty protection
- Travel and emergency assistance services
- Travel accident insurance
- Identity theft reimbursement
Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.
How to earn and redeem rewards
Earning points
The Titanium Rewards Visa® Signature Card is a solid option for gas and grocery purchases. You'll earn:
- 3X points on gas paid at the pump
- 3X points on grocery stores and supermarkets
- 1.5X points on all other purchases
Redeeming points
Andrews Federal Credit Union doesn't publish redemption values for its points. However, you can redeem points through CURewards for merchandise, travel, cash and more.
Rates and fees
The Titanium Rewards Visa® Signature Card has no annual fee, no foreign transaction fees, and a below-average variable APR (based on your creditworthiness). The card charges a balance transfer fee that's 2% of the amount of each balance transfer ($10 minimum).
Card comparison
Titanium Rewards Visa® Signature Card vs. Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is great if you want simplicity thanks to its flat-rate 2% unlimited cash rewards on purchases and $0 annual fee.
- High flat-rate return on purchases
- Intro-APR for purchases and qualifying balance transfers for a year
- No annual fee
- Cell phone protection
- Has a foreign transaction fee
- Limited redemption options unless you pair it with a Wells Fargo card that allows point transfers
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Balance Transfer Fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Foreign Transaction Fee
3%
The Wells Fargo Active Cash® Card is a valuable 2% cash rewards credit card with a generous intro APR period, something the Titanium Rewards Visa Signature Card lacks. That's unlikely to be a dealbreaker for the Titanium Rewards Visa Signature Card, but if you're on the fence between these two cards and know you have a big purchase (or qualifying balance transfer) coming up, it's something to consider.
Because the Active Cash earns above-average rewards with every purchase, it's a good card if you want a simple, set-it-and-forget-it credit card strategy. But if you pair it with the Wells Fargo Autograph® Card (see rates and fees) or Wells Fargo Autograph Journey℠ Card (see rates and fees), you can get even more value from your rewards, as those cards let you transfer your rewards to Wells Fargo's travel partners such as British Airways Executive Club, Choice Privileges and Flying Blue (KLM and Air France).
Learn more: Wells Fargo Active Cash review
Titanium Rewards Visa® Signature Card vs. Citi Strata Premier® Card
The Citi Strata Premier® Card has competitive rewards rates and unlocks access to all of the Citi ThankYou® transfer partners, which boosts the value of your points.
- Unlocks point transfers to all of the Citi ThankYou® partners, including Emirates Skywards, Choice Privileges, Flying Blue and more
- Generous bonus spending categories include dining, supermarkets, hotels and flights
- Valuable welcome bonus
- Has an annual fee
- Car rental coverage is secondary, not primary
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Balance transfer fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
While both the Titanium Rewards Visa Signature Card and the Citi Strata Premier® Card earn 3X points for gas and supermarket purchases, the Citi Strata Premier Card also earns 3X points at restaurants and on hotels (not to mention the 10X points it earns on hotels booked through CitiTravel.com).
You can redeem Citi ThankYou® Points for gift cards, cash back, travel and more. These redemption options typically earn one cent per point, but you can often receive more value when you apply the ThankYou® Points toward Citi's transfer partners.
ThankYou® Points transfer to 19 travel loyalty programs, including Turkish Airlines Miles&Smiles, Emirates Skywards, Virgin Atlantic Flying Club, Wyndham Rewards and more. For example, Virgin Atlantic prices awards dynamically, but on the cheapest days, you can book a one-way economy flight from New York to London for 6,000 miles and roughly $70 in taxes and fees. The cash price for these flights can exceed $300 — even accounting for the fees, you're getting over three cents per point in value.
Learn more: Citi Strata Premier Card review
Compare savings accounts
Is the Titanium Rewards Visa Signature Card right for you?
The Titanium Rewards Visa® Signature Card is issued by Andrews Federal Credit Union, so you'll need to join to apply. If you aren't eligible through other affiliations, you can easily join the American Consumer Council and qualify for an Andrews FCU membership.
The Titanium Rewards Visa Signature is notable for its low APR and low balance transfer fee, making it a good tool to help you pay off debt. However, it doesn't offer a 0% intro APR and plenty of credit cards have rewards rates that are similar or better.
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