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 11.99% APR (credit cards are variable rate based on Prime) after a 2.99% intro APR for 12 months on balances transferred in the first 90 days introductory rate. Signup bonus: Receive $125 cash back when you spend $1,500 in the first 90 days.