The Nusenda Credit Union is a personal credit card from Nusenda Credit Union. The annual fee is $0. The ongoing APR is 14.75% - 16.75% after a 0% APR for 12 months on balance transfers. introductory rate for 12 months. Signup bonus: New cardholders earn 2% cash back on all purchases in the first 90 days.. Rewards: Earn 1% cash back on all purchases, and 5% cash back on purchases in quarterly rotating categories. Members who use their Nusenda Visa Platinum Rewards and Visa Platinum Cash Rewards credit cards will earn three bonus points or 5% cash back, respectively, for every dollar they spend on quarterly rotating categories. (You can earn up to $75 in bonus cash or 4,500 points per quarter.). Loan terms: Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month..