The Kitsap Credit Union is a personal credit card from Kitsap Credit Union. The annual fee is No annual fee. The ongoing APR is As low as 15.40% variable APR (accurate as of 10/15/2026; based on creditworthiness and product type). Signup bonus: 5,000 bonus points when you spend $3,000 within the first 90 days of opening the account. Rewards: 1 point for every $1 spent (Better Together Rewards).