The Guardians Credit Union is a personal credit card from Guardians Credit Union. The annual fee is $89 annual fee. The ongoing APR is As low as 15.75% APR after a 0% introductory rate introductory rate. Rewards: You will automatically earn 2.00% cash back on the first $50,000 spent during calendar year, then 1.50% thereafter on qualifying net purchases. Up to 2% cash back or 2X points. No expiration on points..