The CENLA Federal Credit Union Visa Platinum Fair Credit is a personal credit card from CENLA Federal Credit Union Visa Platinum. The annual fee is No Annual Fee. The ongoing APR is 9.9% to 12.6% after a 0.00% introductory rate for 6 months. Approval typically requires a credit score of 640 or higher. Rewards: Earn points on all of your everyday purchases that can be redeemed for travel, merchandise, or gift cards.. Cash back: 1%. Typical credit limit: $500-$15,000.