Rewards Visa Signature — TopLine Financial Credit Union is a personal credit card from TopLine Financial Credit Union. The annual fee is no annual fees*, no foreign transaction fees* and no over-the-limit fees. The ongoing APR is Annual Percentage Rate (APR) is 15.75% to 17.89% when you open your account, based on your creditworthiness.. Rewards: 1.5% Cash Back Card Benefits Minimum Credit Limit $5,000.00 Earn 1.5 Points for Every Dollar Spent. Typical credit limit: Minimum Credit Limit $5,000.00.