The Trust Federal Credit Union is a personal credit card from Trust Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is After the intro period, 18.24% to 28.24% based on your creditworthiness; variable, based on the Prime Rate after a 0% introductory APR for the first 12 billing cycles on purchases and balance transfers introductory rate. Rewards: 3% cash back on all purchases for 12 billing cycles up to $20,000, then 1.5% cash back; 5% cash back on prepaid hotel and car reservations booked in the Travel Center.