The Point West Credit Union is a personal credit card from Point West Credit Union. The annual fee is $0. The ongoing APR is 14.99% (Purchase APR; Cash Advance APR the same). Rewards: Access to ScoreCard Rewards: earn ScoreCard Points with every purchase, dollar for dollar, and redeem them for travel rewards and brand-name merchandise. Loan terms: Minimum payment 3% of balance up to $25.00.