The Andrews Federal Credit Union is a personal credit card from Andrews Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 12.99% to 18.00% variable, based on creditworthiness (disclosure effective April 15, 2026) after a 4.99% intro APR on balance transfers for 12 months. introductory rate for 12 months. Signup bonus: Earn 10,000 bonus points when you spend $1,500 within the first 90 days. Rewards: 3X points on gas (paid at the pump) and groceries; 1.5X points on everything else. This product reports activity to your personal credit report.