AOD Federal Credit Union Visa Platinum

For most readers, this card is only worth considering if you want a very straightforward, no-frills card from AOD Federal Credit Union and are comfortable earning just 1% cash back on purchases. The main appeal is simplicity: no annual fee, no rotating categories, and no benefits to keep track of.

That same simplicity is also the limitation. A flat 1% return is weak compared with many no-annual-fee cash-back cards, and there are no listed perks to help make up for the lower rewards. If your goal is to earn solid cash back on everyday spending, most people will find stronger value elsewhere.