The Rize Credit Union is a personal credit card from Rize Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 13.75% - 18.00% variable APR (Prime Rate of 7.00% as of 9.17.26 plus a 6.75% - 14.00% margin; rates effective October 1, 2026) after a 2.90% APR intro rate for the first six months introductory rate.