The Apple Federal Credit Union Visa Platinum is a personal credit card from Apple Federal Credit Union Visa Platinum. The annual fee is No Annual Fee. The ongoing APR is Rates Below 18.00% APR after a 23.99% Introductory APR introductory rate for 12 months. Rewards: 3X Points on Gas, 2X Points on Groceries, 1 Point on Everything Else. Low-rate card with no annual fee and no balance transfer fee. Membership open via Apple FCU Foundation ($5 donation). TransUnion pull confirmed.