Visa Classic — State Employees CU is a personal credit card from State Employees CU. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is As low as 12.50% (scores below 688). Rewards: Earn 1 point per $1 spent (each point = $0.01); apply points as a statement credit or cash back to your checking or savings account; points are good for 36 months from the date earned; 2X points through 12/31/26. Typical credit limit: Up to $5,000.