The San Diego County Credit Union is a personal credit card from San Diego County Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee for the first year, then $35 annually (waived when annual purchases are $6,000 or more). The ongoing APR is 14.24% to 20.24% variable, based on creditworthiness after a No introductory APR introductory rate. Signup bonus: 1,000 bonus points when enrolled in the optional Fly Miles Plus Reward Program. Rewards: Fly Miles Plus points: earn an additional 1,000 bonus points if enrolled; up to 120,000 points in one year per enrolled card.