The Justice Federal Credit Union is a personal credit card from Justice Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 11.90% non-variable APR after the intro rate (offer as of September 18, 2026) after a 0% APR 12-month intro rate on purchases; 2% APR 12-month intro rate on balance transfers and cash advances introductory rate for 12 months. Rewards: Rewards Points on every purchase, redeemable for travel, airfare, name brand merchandise and more; double rewards at wholesale clubs.