Visa Platinum Rate Saver — 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 11.90% to 18.00% variable (after 0% intro for 6 billing cycles) after a 0.00% for 6 billing cycles introductory rate for 6 months. Signup bonus: $250 if you make $1,000 in net purchases within 90 days of opening the account (cards opened on or after August 1, 2026; offer may end at any time). This product reports activity to your personal credit report.