The VacationLand Federal Credit Union is a personal credit card from VacationLand Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 13.90% APR (as low as) after a Introductory 1.99% APR for the first six months introductory rate. Rewards: Earn one point for every qualifying net dollar you spend when using your Visa (ScoreCard Rewards); Bonus Points can be redeemed for merchandise, travel, gift cards, and even cash.