The Consumers Credit Union is a personal credit card from Consumers Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 16.99% - 22.99% variable (disclosure dated 10/1/2026) after a No intro APR introductory rate. Signup bonus: For NEW Cash Back cards opened after 1/1/2026, cardholders who spend $1,500 in the first 90 days will get an extra $150 cash back.. Rewards: Earn unlimited 1.50% cash back anytime for anything. This product reports activity to your personal credit report.