The Independence is a personal credit card from Independence. The annual fee is The Kirtland Credit Union VISA® Platinum Card has no annual fee.. The ongoing APR is After the introductory period, variable purchase APR will be 9.25% -16.00% based on creditworthiness. after a 0% interest for 12 months on purchases made within the first 90 days from account opening. introductory rate for 12 months. Signup bonus: 5.0% cash back on all purchases for the first 90 days, up to $5,000 spend.. Rewards: 5.0% cash back on all purchases for the first 90 days, up to $5,000 spend; 1.5% cash back on all purchases after 90 days.. Cash back: 5.0% cash back on all purchases for the first 90 days, up to $5,000 spend; 1.5% cash back on all purchases after 90 days.