An organization devoted to helping Americans make better decisions about their use of credit and credit cards has identified two cards issued by credit unions as being among the best deals nationwide.

CardRatings.com, a website published by the for-profit U.S. Citizens for Fair Credit Card Terms Inc., has identified Navy Federal Credit Union's Visa Platinum as one of the best low interest cards in the nation.

“Many of us love to keep a low interest credit card on hand in case of an emergency, or to help spread out the cost of an unexpected purchase,” the site noted. “You won't see this year's lowest interest rates advertised on television, but you will save money on finance charges if you get to know the banks behind these choice deals.”

“The other winner in this category was the Simmons First Visa Platinum, a card issued by the Simmons First National Bank in Pine Bluff, Ark.

Pentagon Federal Credit Union was recognized in the best introductory rate credit card category for its PenFed Promise Visa.

“Statistics show that Americans have started paying off their credit card debt in greater numbers over the past few years. A strong balance transfer offer can help you join the ranks of consumers who have knocked down their debts,” the site said, adding about the card specifically: “Designed to help military families manage their finances, this card's now available to nearly anyone with strong credit. Promising 'absolutely no fees,' this card's signup promotions have included zero interest for six months, very strong balance transfer offers, and an extremely low 'go-to' rate.”

The other winner in this category was the Slate card issued by J.P. Morgan & Chase Bank.