The Digital Federal Credit Union is a personal credit card from Digital Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is As low as 15.00% APR, variable (tied to the Prime Rate; based on creditworthiness; maximum rate 18%). Rewards: 1 point per $1 spent, redeemable for cash back, travel, gift cards and more than 1,500 merchandise items. This product reports activity to your personal credit report.