The Agriculture Federal Credit Union Fair Credit is a personal credit card from Agriculture Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 16.40% APR (rates effective 9/21/2026) after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650 or higher. Rewards: Up to 1.25% cash back: 0.50% on net monthly purchases up to the first $1,500, 1.00% on purchases above $1,500, 1.25% on gas purchases. Cash back: up to 1.25%. Typical credit limit: Up to $30,000. This product reports activity to your personal credit report.