This may be of interest to those who want a Card with low percentage rates. It also is a great alternative to some of the unethical banks like First Net and Providian. I also was very suprised to see that there are many C.U. that people can belong to through a non work affiliation such as church, or where they live, or other groups to belong to. One Arizona C.U. allows members of the local Zoo Society to join, cost is $25.00 to join the Society. A Florida one has a senior citizen association as eligible. a Calif. one offers members of a Polish support group membership. All 3 of these would allow anyone living anywhere to join these groups, and the C.U. Many community based and church C.U. are out there, offering memberships to any relative of a member even. Any relative of the C.U. can sponsor a Spouse, Parent, Child, or Grand Child. And all seem to have a philosophy of "Once a Member-Allways a Member" so even if your work dosen't offer a C.U. Membership look and search and you can find something to join to get the membership. And you can always presure a relative to join the C.U. and take you along!