The Randolph-Brooks Federal Credit Union is a personal credit card from Randolph-Brooks Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 18.00% variable, based on creditworthiness (disclosure accurate as of January 2026) after a 2.9% introductory APR on purchases made during the first 90 days of card opening; does not apply to balance transfers or cash advances introductory rate. Rewards: Unlimited 2% cash-back rewards on every purchase; redeem as a deposit to an RBFCU checking account, statement credit, pay with points, gift cards, travel or merchandise.