The USAlliance FCU Credit Cards is a personal credit card from USAlliance FCU Credit Cards. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is As low as 12.24% APR. Rewards: Earn 2 points for every dollar on all eligible purchases. Cash back: 2 points for every dollar on all eligible purchases. This product reports activity to your personal credit report. Foreign Txn Fee: 1% (on transactions outside U.S.). Pre-qualification available (soft pull) Accessible via free ACC membership (American Consumer Council).