The Century Federal Credit Union Good Credit is a personal credit card from Century Federal Credit Union. The annual fee is $0. The ongoing APR is 17.99% after a 0% APR on purchases and balance transfers for 12 months (balance transfers within first 90 days, from a non-Century Federal Visa) introductory rate for 12 months. Approval typically requires a credit score of Average to excellent credit or higher. Signup bonus: Get a $50 bonus after first purchase. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $1,000-$15,000. This product reports activity to your personal credit report.