The Carter Federal Credit Union Visa Platinum Good Credit is a personal credit card from Carter Federal Credit Union Visa Platinum. The annual fee is No annual fee. The ongoing APR is Rates as low as 11.50% APR after a 0% APR introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Signup bonus: Get a $100 bonus after your first purchase. Rewards: Points redeemed: Cash back, merchandise, travel, gift cards and much more!. Cash back: 1.5%. Typical credit limit: $1,000-$20,000.