The Carter Credit Union is a personal credit card from Carter Credit Union. The annual fee is No annual fee. The ongoing APR is Visa Platinum with Rewards 13.50% to 16.50% APR* (Rates effective as of 9/25/2025) after a Introductory purchase rate 0% APR/12 Months / Introductory balance transfer rate 0% APR/18 months introductory rate. Rewards: Points redeemed: Cash back, merchandise, travel, gift cards and much more!.