The APGFCU Visa Signature Rewards Excellent Credit is a personal credit card from APGFCU Visa Signature Rewards. The annual fee is $0. The ongoing APR is 12.49% - 17.99% after a 0% introductory rate for 15 months. Approval typically requires a credit score of 700 or higher. Signup bonus: $100 Bonus when you apply for an APGFCU Visa credit card and make $1,000 or more in eligible purchases within the first 90 days.. Rewards: Earn U Earn Rewards points: 3 points at restaurants, 2 points on groceries & gas, 1 point on all other purchases. Cash back: 1.5% cash back for every dollar spent every month. Typical credit limit: $500-$25,000.