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 15.65% to 18.00% variable (card page 2026-10-14) after a 0.00% for 6 billing cycles introductory rate for 6 months. Signup bonus: $250 when you spend $1,000 in the first 90 days. Rewards: 1% cash back on net purchases; additional cash back at retailers such as AMC, Barnes & Noble and Avis through CU Cash Back Mall. This product reports activity to your personal credit report.