Must be a Pentagon Federal Credit Union member. Must be in military service, the National Guard, the Reserves, or an honorably discharged Veteran of the United States Military to apply for this credit card. APR Notes: On the first Tuesday of the first full week of the month, card issuer determines what the Prime Rate is as published in the Wall Street Journal, then adds a margin as set forth in the Summary of Terms issued with your card to the Prime Rate to get the APR for the following month. Rates reflected are in effect as of 1/23/2016, based on an effective Prime Rate of 3.25%. No Annual Fee. No Balance Transfer fees. No Late Payment Fees. No Penalty APR. Absolutely no fees.