The Santa Cruz Community Credit Union is a personal credit card from Santa Cruz Community Credit Union. The annual fee is No annual fee or balance transfer fee. The ongoing APR is 11.49% - 21.49% when you open your account, based on your creditworthiness; varies with the Prime Rate (disclosure accurate as of May 31, 2023). Rewards: Earn one point per dollar on purchases; redeem points for merchandise, rental cars, cruises, hotels, and airline travel. Typical credit limit: Credit limit up to $25,000.