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 $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% 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.. Signup bonus: Earn 25,000 points (worth up to $250) when you spend $2,000 within the first 120 days. Rewards: 4X points on eligible travel, gas stations and EV charging stations, entertainment, and recreation purchases; 1.5X points on all other eligible purchases; complimentary Priority Pass Select Membership.