Visa 4.99 Platinum — Barksdale Federal Credit Union is a personal credit card from Barksdale Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is 12.9% (Platinum Preferred) or 15.9% (Platinum) APR based on credit, after the 4.99% 6-month intro after a 4.99% introductory APR for 6 months on purchases, balance transfers and cash advances introductory rate. Rewards: Rewards on everyday purchases, redeemable for gift cards, travel, merchandise and more.