The Velocity Credit Union is a personal credit card from Velocity Credit Union. Application typically pulls a hard report from TransUnion. The ongoing APR is 15.00% - 18.00% variable (disclosure effective October 3, 2026) after a 0% introductory APR for 12 months on purchases and balance transfers introductory rate for 12 months. Signup bonus: Redemptions begin at under 1,000 points. Rewards: Earn 1.5 points per $1 purchase through the free CURewards program; points redeem for cash, dining, merchandise, gift cards and travel; cash advances and balance transfers do not earn points. Cash back: Redeem points online for CASH, dining, merchandise, gift cards (including Amazon®, Target® and dozens more), and travel rewards. This product reports activity to your personal credit report.