The Carter Credit Union Good Credit is a personal credit card from Carter Credit Union. The annual fee is $0. The ongoing APR is Rates as low as 11.50% APR after a 0% intro APR on purchases for 12 months; 0% intro APR on balance transfers for 18 months introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Rewards: Points redeemed: Cash back, merchandise, travel, gift cards and much more!. Cash back: 1.5%. Typical credit limit: $1,000-$20,000. This product reports activity to your personal credit report.