The Air Academy Credit Union Fair Credit is a personal credit card from Air Academy Credit Union. The annual fee is $0. The ongoing APR is 12.00%-17.99% variable, based on creditworthiness after a 0% for the first 12 billing cycles on purchases and balance transfers made within 90 days of account opening introductory rate for 12 months. Approval typically requires a credit score of 640 or higher. Rewards: Redeem points for Cash, Merchandise, or Travel. Cash back: 1.5%. Typical credit limit: $500-$25,000. This product reports activity to your personal credit report.