| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | No. We’ve increased the rewards, not the fees. As always, your Rewards Card has no annual fees, transaction fees or cash advance fees, plus a 30-day grace period on purchases.APL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees |
| Cash advance | — | |
| Balance transfer | $0, No Balance Transfer FeesAPL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees |
| Late payment | — | |
| Returned payment | — | |
| Opening conditions | Approval is based on APL FCU Membership qualifications and being 18 years of age (17 year olds may apply with co-signer).APL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.APL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Purchase rewardsNot disclosed | 1.5 points per $1. See source conditions for eligible purchases.APL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Purchase rewardsNot disclosed | 1.5 points per $1. See source conditions for eligible purchases.APL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsPurchase rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. you earn 1.5 points for every $1 spent, plus additional points for shopping at participating retailers. These points can then be redeemed for cash. APL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsPurchase rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. *During each cycle period, the total of your eligible purchases is rounded up or down to the nearest dollar. You’ll then receive 1.5 points per dollar spent. Eligible purchases include online and in-person purchases made on your Rewards Card at national and local retailers. Cash advances, balance transfers and cash equivalent transactions do not earn points. APL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionsPurchase rewards | No. Unlike some other rewards cards, you never have to worry about your points expiring.APL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
