The Redstone Federal Credit Union is a personal credit card from Redstone Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.75% to 18.00% variable, based on creditworthiness; varies with the Prime Rate plus a margin (disclosure accurate as of October 1, 2026) after a 0% intro APR on balance transfers for six billing cycles (balance transfers posted in the first 30 days after account opening; existing Redstone balances not eligible); no purchase intro APR introductory rate for 6 months. Signup bonus: $150 in CashBack+ rewards when you spend $3,000 in purchases (minus returns, credits and adjustments) in the first 90 days from account opening; posts within 45 days after the promotional period; card must be open and in good standing. Rewards: CashBack+ rewards: 5% cash back in a category you pick each quarter (options such as restaurants, travel, Amazon and more); 2% cash back on gas and groceries; 1.5% cash back on everything else; purchases over spending caps earn reduced rewards; no rewards on ATM, cash advance or balance transfer transactions; redeem to your account or for digital or charity gift cards. Loan terms: Revolving credit card line; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; balance method average daily balance (including new purchases). This product reports activity to your personal credit report. Redstone FCU Visa Signature with CashBack+ or MyChoice Rewards. Huntsville, AL-based, $9B+ CU. Accessible via FFA membership ($8/year).