The Air Academy Credit Union Excellent Credit is a personal credit card from Air Academy Credit Union. The annual fee is $0. The ongoing APR is 14.00%-17.99% variable, based on creditworthiness after a 0% for the first 12 billing cycles on purchases and balance transfers made within 90 days of account opening introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 10,000 points after first purchase. Rewards: 4 points per $1 on Colorado Living purchases; 3 points per $1 on dining, delivery and streaming; 2 points per $1 on gas and groceries; 1.5 points per $1 on everything else. Cash back: 1.5%. Typical credit limit: $1,000-$30,000. This product reports activity to your personal credit report.