Looking to avoid a credit card balance transfer fee? Try a credit union

The Titanium Rewards Visa® Signature Card from Andrews Federal Credit Union* offers a low variable APR, as opposed to a 0 percent introductory APR offer like many other balance transfer credit cards. Still, when you factor in the rewards structure and other perks, this card has a lot of ongoing value, including:

• 3X points on grocery and gas purchases
• 1.5X points on all other purchases

You can even earn a welcome bonus of 10,000 points when you spend $1,500 made within the first 90 days of card opening. Plus, this card offers various travel benefits and protections.The credit limit can be substantial, ranging from $5,000 to $50,000, and the card requires no annual fee or foreign transaction fees. However, there is a low fee charge for balance transfers.Membership in this credit union is open to active or retired U.S. military members and their family or household members. Those living, working, attending school or worshiping in Washington, D.C. — or who are employed by or a member of one of their eligible employer groups — can also join. Another option is becoming a member of the American Consumer Council by using a major consumer product or service and paying $8 to join.