The Afena Federal Credit Union is a personal credit card from Afena Federal Credit Union. The annual fee is No annual fees. The ongoing APR is After the introductory period expires, a low fixed rate starting as low as 12.24% APR after a 12-month introductory rate as low as 1.99% APR (does not include balance transfers) introductory rate. Rewards: Earn 2 points for every $1 you spend; claim as cash back (2% cash back on every dollar spent), travel, gift cards or merchandise. Loan terms: Payments are as low as $25 a month or 3% of your outstanding balance, whichever is greater.