The Edwards Federal Credit Union is a personal credit card from Edwards Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 9.99% - 13.99% after a 0% introductory rate for 6 months. Approval typically requires a credit score of Fair Credit OK or higher. Signup bonus: 500-point bonus if cardholder(s) spend up to $1,000 in the first 90 days. Rewards: Earn Points with Every Purchase: Get 1 point for every dollar you spend using your Visa Platinum Rewards Card.. Typical credit limit: $5,000 - $25,000 (average reported limit ~ $20,688).