VISA Platinum Rewards — U.S. Postal Service Federal Credit Union is a personal credit card from U.S. Postal Service Federal Credit Union. The ongoing APR is As low as 12.65% (rewards cards); VISA credit card margin 4.74% to 14.75% over Prime, maximum rate 18.00%; rates effective 10/01/2026. Rewards: Earn 1 point per $1.00 spent. Redeem for 1.6% cash back, travel, gift cards, charity donations, merchandise, and more. Cash back: 1.6% Cash Back (Payment to your Credit Card). This product reports activity to your personal credit report.