The Congressional Federal Credit Union is a personal credit card from Congressional Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No Annual Fee. The ongoing APR is 13.99% fixed after a 0.00% introductory APR on purchases for 6 billing cycles; 3.99% introductory APR on balance transfers for 12 billing cycles introductory rate for 6 months. Signup bonus: Spend $1000 in the first 90 days and receive 25,000 Points. Rewards: 25,000 Points. This product reports activity to your personal credit report.