The Andrews Federal Credit Union Visa Platinum Fair Credit is a personal credit card from Andrews Federal Credit Union Visa Platinum. The annual fee is No Annual Fee. The ongoing APR is Consistently low APR on purchases after a 4.99% intro APR introductory rate for 12 months. Approval typically requires a credit score of 640 or higher. Signup bonus: Earn 10,000 bonus points after your first purchase. Rewards: No. Cash back: 1%. Typical credit limit: $500-$25,000.