The Allegacy Financial Federal Credit Union Excellent Credit is a personal credit card from Allegacy Financial Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 14.90% to 16.90% variable (maximum 16.90%) after a 0% introductory rate for 18 months. Approval typically requires a credit score of 700 or higher. Signup bonus: 10,000 bonus points (redeemable as $100) after spending $1,000 within the first 90 days. Rewards: 1.5 points per $1 on every purchase, redeemable as cash back at 1 point = $0.01 (unlimited 1.5% cash back); 5,000 bonus points each year after $50,000 or more in annual spending. Cash back: 1.5%. Typical credit limit: $1,000-$25,000. This product reports activity to your personal credit report.