The Credit Union ONE is a personal credit card from Credit Union ONE. Application typically pulls a hard report from Equifax. The annual fee is $0 (no annual fee). The ongoing APR is 17.00%, 17.75%, 19.25%, 23.00%, 25.00% or 27.00%, based on creditworthiness; varies with the Prime Rate (disclosure accurate as of October 1, 2026) after a 4.99% introductory APR on purchases and balance transfers posted in the first 90 days after account opening introductory rate. Signup bonus: 20,000 rewards points (equivalent to $200) after $1,500 in purchases within the first 90 days from account opening; offer valid on cards opened April 1, 2025 - December 31, 2026. Rewards: 1 point for every $1 in credit card purchases; redeem for cash (credit to checking via Online Banking), gift cards, merchandise or travel.