The Pacific Cascade Federal Credit Union is a personal credit card from Pacific Cascade Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 18.24% 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. after a Annual Percentage Rate (APR) for Purchases: 0% introductory APR for the first 12 billing cycles. APR for Balance Transfers: 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening. introductory rate. Rewards: You will earn 3% cash back (1.5% base and 1.5% bonus cash back) per $1 spent on eligible Net Purchases for the first 12 billing cycles of your account opening date, up to $20,000. All eligible Net Purchases over $20,000, or after the 12th billing cycle, will earn 1.5% cash back per $1 spent on eligible Net Purchases. You will earn 5% cash back (1.5% base and 3.5% bonus cash back) on eligible Net Purchases for prepaid car rental and hotel reservations booked through the Travel Center using your Unlimited Cash Card. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Cash rewards can be redeemed as a deposit to a checking or savings account with the financial institution named on the front of your card only, which will be deposited within 7 business days, or as a statement credit to this credit card account within 1-2 billing cycles, or as a Rewards Card. Cash rewards do not expire as long as the account remains active. If there is no rewards, purchase, or balance activity on your account for 12 billing cycles, your cash rewards balance will expire. 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..