The Amplify Credit Union Excellent Credit is a personal credit card from Amplify Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.99% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a 0% intro APR on purchases for the first 12 billing cycles; 0% intro APR on balance transfers for the first 12 billing cycles for balances transferred within 366 days from account opening introductory rate. Signup bonus: 15,000 bonus points (worth up to $150) when you spend $500 within the first 90 days. Rewards: 4 points per $1 on eligible net purchases at restaurants, fast-food restaurants and bars on the first $2,000 each quarter (1 point after the quarterly maximum); 2 points per $1 at gas stations and EV charging stations, grocery stores and supermarkets (wholesale clubs and discount stores/supercenters earn 1 point) and qualifying streaming services; 1 point per $1 on all other eligible net purchases; points expire 5 years after they are earned. Loan terms: Revolving personal credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; optional Card ExtendPay plans. This product reports activity to your personal credit report.