The California Credit Union is a personal credit card from California Credit Union. Application typically pulls a hard report from Equifax. The annual fee is ZERO annual fees. The ongoing APR is As of June 18, 2026, the Rewards credit card rates range from 13.40%-18.00% APR. Rates are variable, and subject to increase after account opening. after a As low as 0% Introductory APR for 12 months on Balance Transfers made within the first 90 days, with a 13.40% - 18.00% variable APR after that introductory rate. Signup bonus: Earn up to 20,000 Introductory Bonus Points when you spend $1,500 within the first 90 days. Rewards: Earn up to 5X Points on Streaming Services, 3X Points on Gas, Groceries & Restaurants and 1X Points on Everything Else; 5X points on up to $6,000 worth of qualifying streaming services, 3X points on up to $6,000 worth of qualifying Gas, Groceries and Restaurant transactions, and 1X points on everything else.