The Freedom First Credit Union is a business credit card from Freedom First Credit Union. The annual fee is $0 Annual Fee or Application Fee. The ongoing APR is Purchases 13.24% - 18.00%; balance transfers 13.24% - 18.00%; cash advances 16.49% - 18.00%; varies with the market based on the Prime Rate (effective as of 10/12/26) after a 0% APR on purchases for the first 12 billing cycles from account opening introductory rate.