The USF Credit Union is a personal credit card from USF Credit Union. The annual fee is No annual fee. The ongoing APR is Rates as low as 12.99% APR (credit cards are variable rate based on Prime). Signup bonus: Receive $125 cash back when you spend $1,500 in the first 90 days. Rewards: Earn 3 points on gas, travel and restaurant purchases; Earn 2 points on grocery and home improvement purchases; Earn 1 point on everything else.