The O Bee Credit Union is a personal credit card from O Bee Credit Union. The annual fee is No Annual Fee. The ongoing APR is Rewards Credit Card: Your APR will be 13.50% - 21.00% depending on Your creditworthiness at the time You establish Your account. For Cash Advances, we will begin charging interest on the transaction date. This APR will vary with the market based on the Prime Rate.. Signup bonus: Get 10,000 bonus reward points the first time you use your card for a purchase.. Rewards: Earn 1 point per $1 spent (purchases only)+ | +Cash advances and ATM withdrawals do not earn any reward points.. Loan terms: Low Minimum Payments: Your required minimum monthly payment is just 2.5% of your outstanding balance..