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: $100 bonus when you spend $1,000 or more in the first 90 days. Rewards: 1.5% cash back on all your everyday, qualified purchases.