The Skyla Credit Union is a personal credit card from Skyla Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.15% variable APR (Prime-based) after a 0% APR on purchases for the first 12 months introductory rate for 12 months. Signup bonus: 10,000 bonus points with $1,000 spend in 90 days. Rewards: Unlimited 1X rewards points for every $1 spent on all purchases. Typical credit limit: $25,000. This product reports activity to your personal credit report.