The Teachers Federal Credit Union Visa Signature is a personal credit card from Teachers Federal Credit Union Visa Signature. The annual fee is $0. The ongoing APR is 14.85% - 18.00% Variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 1.5% cash back on all purchases.. Cash back: 1.5% on all purchases.. Typical credit limit: Up to $25,000. This product reports activity to your personal credit report. [SOFT PULL ONLY] | No foreign transaction fees for purchases made outside the U.S. | EXPERT REFERENCE (Feb 2026): $20,000 limit at 14.85% APR with soft pull. | EXPERT REFERENCE (Feb 2026): Membership open nationwide, primarily located in New York and expanding into Florida.