The BRECO Federal Credit Union Fair Credit is a personal credit card from BRECO Federal Credit Union. The annual fee is $0. The ongoing APR is 12.99%-22.99% after a 0% APR on balance transfers (existing or new accounts) introductory rate for 6 months. Approval typically requires a credit score of 650 or higher. Rewards: reward points redeemable for music, dining, travel, and more. Cash back: 1%. Typical credit limit: $500-$15,000. This product reports activity to your personal credit report.