The First Choice Financial FCU is a personal credit card from First Choice Financial FCU. The annual fee is No annual fee. The ongoing APR is 8.90% APR after a 0% introductory APR for 12 billing cycles on purchases and balance transfers introductory rate. Rewards: 1 point for every $1 spent (uChoose Rewards). Typical credit limit: Credit limit is a minimum of $5000.