The AOD Federal Credit Union is a business credit card from AOD Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is As Low As 8.49% APR. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $50 bonus will be deposited into members account within the 1st day of the following month after credit card approval.. Rewards: 1% CashBack on ALL Purchases, Additional 1% CashBack Gas & Restaurants. Cash back: 1% on all purchases; additional 1% on gas and restaurants. Typical credit limit: $300 and up. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). No personal guarantee is required.