The One Source Federal Credit Union is a personal credit card from One Source Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: $390. The ongoing APR is 19.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.. Signup bonus: If you’re approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible Net Purchases totaling $4,500 or more are made to your account within 90 days from account opening.. Rewards: You will earn 2 Points per dollar spent on eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 6 Points (2 base Points and 4 bonus Points) per dollar spent on eligible Net Purchases for prepaid airfare, car rental, and hotel reservations booked directly in the Travel Center using your rewards credit card instead of Points. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Points expire 5 years from when they are earned, refer to your Program Rules for full details.. Loan terms: Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on new Purchases if you pay your entire balance, or Plan Adjusted Balance if you have any Fixed Payment Program balance(s), in full by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date..