The Freedom First Credit Union is a personal credit card from Freedom First Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0 Annual Fee or Application Fee. The ongoing APR is Purchases and balance transfers 13.74% to 18.00%; cash advances 16.99% to 18.00%; varies with the market based on the Prime Rate (disclosure accurate as of 10/12/2026). Signup bonus: 1,000 bonus points for your first purchase; 25,000 bonus points if you spend $2,500 or more in the first 60 days from opening your credit card. Rewards: 1.5 points for every dollar in purchases; quarterly boosted rewards; 500 bonus points on the cardholder's birthday; 300 bonus points for the anniversary of your card account opening; pay with Rewards points on Amazon.com.