The Mirastar Federal Credit Union is a personal credit card from Mirastar Federal Credit Union. The annual fee is No annual fees. The ongoing APR is 17.49% Variable APR (Prime Rate + 10.74%; APRs as of 03/01/2026) after a 0% APR for 6 months on Purchases made within the first 6 months of account opening (after that, 17.49%) introductory rate. Signup bonus: Spend $500 in the first 3 months of account opening, get 10,000 points. Rewards: Dollar-for-Dollar points for all purchases.