The 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 of 17.99% for purchases and balance transfers. This is a fixed rate. (Rates are effective as of 10/15/2026). Signup bonus: $200 cashback bonus when you spend at least $2,500 in the first 90 days (net purchases; may take up to 15 business days after the 90-day period to post). Rewards: 3% on groceries; 2% on home improvement; 1% on everything else; redeem by deposit into your Grow savings account.