The AMOCO Federal Credit Union is a personal credit card from AMOCO Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 10.90% to 18.00% variable, based on creditworthiness (rate and fee disclosure effective Oct 1, 2026) after a 0% intro APR on purchases and balance transfers introductory rate for 6 months. Signup bonus: Earn 10,000 bonus points (up to $100 in value) after spending $3,500 within your first 3 months. Rewards: Earn 1 point for every $1 spent. Typical credit limit: Up to $30,000. Loan terms: Revolving. This product reports activity to your personal credit report.