The Class Act Federal Credit Union is a personal credit card from Class Act Federal Credit Union. The annual fee is $0. The ongoing APR is 13% to 18.00% variable, based on creditworthiness (disclosure effective October 5, 2026) after a 0% intro APR on purchases and balance transfers introductory rate for 6 months. Rewards: 1% cash back, deposited to your Class Act savings at the end of the year. Cash back: 1% cash back. Typical credit limit: Maximum amount $25,000. Loan terms: $25,000. This product reports activity to your personal credit report.