The Independence Credit Card is a personal credit card from Independence Credit Card. The annual fee is The Kirtland Credit Union VISA® Platinum Card has no annual fee.. The ongoing APR is 9.25% -16.00% based on creditworthiness. after a 0% interest for 12 months introductory rate for 12 months. Rewards: 5.0% cash back on all purchases for the first 90 days, up to $5,000 spend; 1.5% cash back on all purchases after 90 days..