The Consumer's Credit Union Visa Good Credit is a personal credit card from Consumer's Credit Union Visa. The annual fee is no annual fee. The ongoing APR is 12.74% – 22.99% after a 0% APR introductory rate for 13 months. Approval typically requires a credit score of 680 or higher. Signup bonus: an extra $150 cash back when you spend at least $1,500 in the first 90 days after opening a new personal Cash Back credit card. Rewards: Earn unlimited 1.50% cash back anytime for anything. Cash back: 1.5%. Typical credit limit: $1,000-$25,000. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN.