The Peninsula Credit Union is a personal credit card from Peninsula Credit Union. The annual fee is Annual fee $0. The ongoing APR is VISA – Rewards: 13.50% APR (as low as); Maximum Rate 18.00%; Introductory Rate N/A. Rate will vary with the market based on the Prime Rate. Rates Effective as of October 1, 2026. Signup bonus: 5,000 Point New Card Bonus!. Rewards: Earning points for every dollar you spend. Redeem points for gift cards, travel, merchandise and more. 1 point per $1 spent..