The Security Service Federal Credit Union is a personal credit card from Security Service Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 14.75% to 15.75% variable for purchases, based on creditworthiness (disclosure dated September 17, 2026; 18.00% is the maximum permitted rate) after a 0% APR for 6 billing cycles on purchases, balance transfers and cash advances introductory rate. Signup bonus: 20,000 bonus points after spending $1,200 within 90 days of account opening. Rewards: 3X points on every $1 spent on gas, travel and dining; 1 point for every $1 on all other purchases.