Cash-back rewards often steal the spotlight when comparing credit cards, but one feature can have an even greater impact on your finances over time: the interest rate.
That's where the Pinnacle Credit Card delivers an important advantage.
With a competitive 18% variable APR and no annual fee, Pinnacle combines premium cash-back rewards with a rate that's lower than the average APR charged by many credit card issuers.
The Best Credit Card Is One That Fits Real Life
The smartest way to use any credit card is to pay your balance in full each month. Doing so lets you enjoy the benefits of cash-back rewards without paying interest.
But life doesn't always go according to plan.
Unexpected expenses, emergency repairs, travel, or other financial priorities can occasionally make carrying a balance necessary. When that happens, having a competitive APR can make a meaningful difference.
Every percentage point matters when you're paying interest.
Rewards and Value Working Together
Many rewards credit cards offer attractive cash back but pair those rewards with significantly higher interest rates. Others feature lower rates but don't offer meaningful rewards on everyday spending.
The Pinnacle Credit Card strikes a balance. Eligible cardholders can earn:
• 3% cash back on groceries, restaurants, and fuel*
• 2% cash back on all other qualifying purchases*
• No annual fee
• A competitive 18% variable APR
That combination allows members to earn more on everyday purchases while keeping borrowing costs more manageable if they ever need additional flexibility.
The Credit Union Difference
As a member-owned financial institution, Greater Texas Credit Union is focused on delivering long-term value to members, not maximizing returns for shareholders.
That philosophy influences every product we offer, including the Pinnacle Credit Card.
Instead of relying on teaser rates or temporary promotions, Pinnacle is designed to provide lasting value through competitive pricing, meaningful rewards, and personalized service.
The Bottom Line
The Pinnacle Credit Card isn't just about earning more, it's about keeping more.
When you combine competitive rewards with a competitive interest rate and the personalized service of Greater Texas Credit Union, you get a credit card designed around real life, not just promotional offers.
That's the value of a card built for Texans.
