The Alltru Credit Union is a personal credit card from Alltru Credit Union. The annual fee is No annual fees. The ongoing APR is Variable rate / as low as 13.49% APR (rates effective 1/1/26) after a 4.99% intro APR for 12 months on new credit cards and for new credit card balance transfers only; after 12 months the APR will be a variable rate based on the Prime Rate (rates effective 1/1/26) introductory rate. Signup bonus: 15,000 bonus points when you spend $1,500 in the first 90 days. Rewards: Earn TWO reward points for every dollar spent; for a limited time 2x the points on gas, groceries, and food (maximum 3,000 bonus points).