The Guardian Credit Union is a personal credit card from Guardian Credit Union. The annual fee is No monthly or annual fees. The ongoing APR is Fixed monthly rate - 19.95% APR after a 0% APR valid for 6 months on transferred balances introductory rate for 6 months. Rewards: Earn one reward point for every dollar spent, redeemable for cash, travel, or merchandise. Rewards points expire after 36 months..