Credit Unions generally offer much lower APRs and some have really great rewards.
They also are more likely to work with people and small businesses with financial situations and have better customer service than the big banks.
For example my Abound Credit Union card offers 5% back on gas and rotating 5% categories similar to Discover’s. Would be awesome if it could connect so I don’t have to manually enter the categories.
My Alliant Credit Union card offers 2.5% back on everything as long as you maintain $1000 in a free high rate checking acct with 1 deposit a month.
And many Credit Unions in my area offer credit cards with APRs below 10%.