The University Credit Union is a personal credit card from University Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 13.74% to 20.74% variable APR for purchases, balance transfers and cash advances after the introductory period after a 3.99% Introductory APR for purchases introductory rate. Rewards: Earn 5 points for every dollar spent with Streaming and Gaming Subscriptions, 2 points per dollar on Gas, 2 points per dollar on Dining, and 1.5 points per dollar on all other purchases (cash back with up to 5 points per net dollar spent).