The Cross Valley Federal Credit Union is a personal credit card from Cross Valley Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 17.99% to 28.24% variable, based on the Prime Rate (route page checked 2026-10-14) after a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles introductory rate for 6 months. Signup bonus: 15,000 bonus points when you spend $500 within the first 90 days. Rewards: 4X points on dining, takeout and restaurant delivery on the first $2,000 each quarter (1X after); 2X points at grocery stores, gas stations and EV charging stations, and eligible streaming services (excluding discount stores/supercenters and wholesale clubs); 1X points on all other eligible purchases. This product reports activity to your personal credit report.