The Vantage West Credit Union is a personal credit card from Vantage West Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 17.49% - 29.49% APR (variable, based on Prime Rate; accurate as of 10/02/2026) after a 0.00% for twelve months for qualifying members (Signature Rewards Visa) introductory rate. Signup bonus: Earn $200 cashback when you spend $2,000 in the first 3 months. Rewards: Always 2% cash back on dining, entertainment, and groceries; 1.5% on everything else.