Visa Preferred — Grow Financial Federal Credit Union is a personal credit card from Grow Financial Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is Standard APR 10.74% to 17.99% variable for purchases and balance transfers (rates effective 10/23/2026) after a 1.99% to 4.99% APR on purchases and balance transfers introductory rate. Rewards: Rewards: None.