The I AM Federal Credit Union is a personal credit card from I AM Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is Annual Fee: None. The ongoing APR is After that, 18.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a 0% introductory APR for the first 12 billing cycles introductory rate. Rewards: 3% cash back on all purchases for 12 billing cycles on purchases up to $20,000; 1.5% cash back on all purchases after the introductory period; 5% cash back on prepaid hotel and car reservations booked directly in the Travel Center.