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 Platinum credit card rates range from 12.40% – 18.00% APR. Rates are variable, and subject to increase after account opening. after a As low as 0% Introductory APR on Purchases made within the first 6 months, with a 12.40% - 18.00% variable APR after that; as low as 0% Introductory APR for 12 months on Balance Transfers made within the first 90 days, with a 12.40% - 18.00% variable APR after that introductory rate.