The Apple Federal Credit Union Visa Signature Rewards is a personal credit card from Apple Federal Credit Union Visa Signature Rewards. The annual fee is No Annual Fee. The ongoing APR is as low as 12.99% after a 23.99% Introductory APR on purchases only for qualifying members introductory rate for 12 months. Rewards: 3X Points on Gas, 2X Points on Groceries, 1 Point on Everything Else. 3x points on dining, 2x on groceries, 1x everything else. No annual fee, no balance transfer fee, no foreign transaction fee. Membership via Apple FCU Foundation ($5).