Credit Card Rewards - Andrews Federal Credit Union

Credit Card Rewards is issued by Andrews Federal Credit Union. The button below hands you to the issuer's own application.

Apply now Andrews Federal Credit Union agreements on file

Applications are handled by Andrews Federal Credit Union, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.

Disclosed rates and fees

Read from Andrews Federal Credit Union's own published disclosure for this card. Anything the issuer does not state is left out of this table rather than shown as a zero.

Rates and fees disclosed for Credit Card Rewards
Purchase APR	12.99% (variable)
Balance transfer APR	18%
Cash advance APR	12.99%
Foreign transaction fee	None
Cash advance fee	2% or $10
Balance transfer fee	2% or $10

Analysis

Credit Card Rewards is issued by Andrews Federal Credit Union, which publishes a purchase APR of 12.99% for it.

What you are looking at

A rewards card, earning points on spending.

What borrowing on it costs

What 12.99% actually costs: about $130 a year on a $1,000 balance, or roughly $11 each month. That is simple interest on a flat balance, so read it as a scale rather than a bill — real interest compounds daily and moves with what you owe.

Fees worth knowing

No foreign transaction fee, which matters more than it sounds: the usual 3% applies to anything processed abroad, including online orders from foreign merchants placed at home.

The gaps

Andrews Federal Credit Union does not publish the annual fee and the late payment fee on the page where this card appears. We have not filled those gaps with typical figures, because a plausible number is indistinguishable from a real one once it is printed beside a card.

The rates and fees for any card are disclosed in full before you submit an application, and the issuer has to give them to you then. If you want them beforehand, the issuer's cardholder agreements filed with the CFPB are linked on this page.

In short

The published rate of 12.99% is the figure to weigh, and it only applies if you carry a balance. Clear the statement in full each month and the rate is irrelevant to what the card costs you.

Where these facts come from

The card name, the image and the application link on this page were read from Andrews Federal Credit Union's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Andrews Federal Credit Union's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. Those unmatched documents no longer get pages of their own on this site: a page named after a PDF is not something a reader can use. They remain published as documents, linked from this page and from the issuer's. How we read the filings.