The L&N Federal Credit Union is a personal credit card from L&N Federal Credit Union. The annual fee is $0. The ongoing APR is 18.00% fixed after a 0% introductory APR on purchases and balance transfers for new accounts introductory rate for 6 months. Signup bonus: $50 cash back for $1,000 in purchases in the first 90 days. Rewards: 2% on gas purchases, 1% on all other purchases. Cash back: $50 cash back for $1,000 in purchases in the first 90 days. This product reports activity to your personal credit report.