The Advancial Federal Credit Union is a personal credit card from Advancial Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 9.90% to 16.90% based on creditworthiness (disclosure accurate as of Feb 23, 2026) after a 0% intro APR on purchases for the first 6 months; 5.90% intro APR on balance transfers requested within 90 days of account opening, for 6 months introductory rate for 6 months. Rewards: Unlimited rewards: 1 point per $1 when spending under $2,500 in a billing cycle; 1.5 points per $1 once $2,500 or more is spent in the cycle; 12 earning activities per calendar year keep points active. Cash back: Unlimited rewards. Typical credit limit: $5,000+. This product reports activity to your personal credit report.