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: None. The ongoing APR is Signature Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account. Platinum Real Rewards: 17.99% 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. after a Annual Percentage Rate (APR) for Purchases: 0% introductory APR for the first 6 billing cycles. APR for Balance Transfers: 0% introductory APR for the first 6 billing cycles for balances transferred within 186 days from account opening. introductory rate. Signup bonus: First purchase bonus points (2,500) will be applied 1-2 statement billing cycles after first purchases and are not awarded for balance transfers or cash advances.. Rewards: You will earn 1.5 Reward Points ("Points") per dollar spent on eligible Net Purchases made with your Account within a billing cycle (equal to up to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within 1-2 statement billing cycles or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. The number of Points that may accumulate in any monthly billing cycle for your Account is unlimited. If credits during a statement period exceed Purchases, the credit balance will be carried over to the following billing cycles and offset against future Purchases charged to the Account for purposes of awarding Points. We may round Net Purchases up or down to a whole dollar amount for purposes of determining and awarding Points. We reserve the right to adjust or reverse the number of Points that were awarded for unauthorized Purchases. Points are nontransferable and have no cash value. Please allow up to 60 days after a Purchase for Points on that Purchase to post to your Points balance. Points expire 5 years from the end of the quarter in which they are earned.. Loan terms: Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date..