The Local 804 FCU Visa ® Platinum Credit Card is a personal credit card from Local 804 FCU Visa ® Platinum Credit Card. The annual fee is null. The ongoing APR is 0% to 1.99% after a 0% introductory rate for 12 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: Choose the Visa ® Platinum with Rewards and earn points for every dollar you spend.. Cash back: null.