The Partners Federal Credit Union is a personal credit card from Partners Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is No Annual or International Fees. The ongoing APR is 17.99% This APR will vary with the market based on the Prime Rate (accurate as of September 1, 2026). Signup bonus: For a limited time, earn 3% cash back on every purchase during your first 90 days. Rewards: up to 3% based on your Relationship Rewards tier. Cash back earnings are limited to a maximum of $3,000 annually..