The Consumers Credit Union Visa Signature Excellent Credit is a personal credit card from Consumers Credit Union Visa Signature. The annual fee is NO Annual Fee. The ongoing APR is 13.20% to 27.49% after a 0% APR introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: $200 Reward ^. Rewards: $200 Reward. Cash back: 1.5%. Typical credit limit: $1,000-$30,000.