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, Balance Transfer, or Cash Advance Fees. The ongoing APR is Your APR will be 11.74% to 17.99% based on your individual qualifications and creditworthiness. This APR will vary with the market based on the Prime Rate (accurate as of September 1, 2026). Rewards: Earn up to 5x rewards points on qualifying purchases based on your Relationship Rewards tier. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private Banking tiers earn 4x rewards points on travel purchases. Elite and Private Banking tiers earn 5x rewards points on dining purchases. Purchases outside these categories earn the standard 1x rewards points..