Elite Credit Card — United Nations Federal Credit Union is a personal credit card from United Nations Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $50.00. The ongoing APR is 15.74% APR after a 0.00% APR introductory rate for 6 months. Signup bonus: 10,000 bonus points after $2,000 in purchases within four months. Rewards: 3x points on restaurant meals; 2x on groceries and online food delivery; 1x per $1 on everything else. This product reports activity to your personal credit report.