The Zeal Credit Union is a personal credit card from Zeal Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is Visa Platinum – Variable as low as 11.50% APR; Visa Platinum – Fixed as low as 9.90% APR. Rates valid as of September 18, 2026. Variable Rate Information based on Wall Street Journal Prime Rate.. Rewards: Rewards Program; Travel & Emergency Assistance; Warranty Manager. Typical credit limit: Up to $30,000. This product reports activity to your personal credit report.