The NASA Federal Credit Union is a personal credit card from NASA Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.99%-17.99% variable, Prime-based (terms page accurate as of September 18, 2025) after a 8.9% APR on balance transfers made within 90 days of account opening, for the life of those balances (qualified applicants; not on existing NASA FCU balances) introductory rate for 90 months. Rewards: Unlimited 1.5% cash back on net purchases, paid annually to accounts open and in good standing. Cash back: 1.5% cash back on every purchase. This product reports activity to your personal credit report.