3X points applied on all restaurant purchases October - December. Standard point earnings are 1 point per $1 on credit purchases and 1 point per $2 on debit purchases made with a signature. Bonus points earned during the month will be awarded in a lump sum no later than the middle of the following month. Content accurate as of October 29, 2025. 0% APR applicable to balance transfers for the first six months the credit card account is open. 1.99% introductory APR for the first 6 billing cycles. Liberty FCU example includes six months at 0% APR, which is applicable to balance transfers on new cards only. Balance transfers earn rewards points subject to Liberty FCU discretion. Annual Percentage Rate may vary. If you are charged interest, the charge will be no less than $1. APR for purchases and balance transfers will be 12.25% to 18% APR after introductory period based on creditworthiness. Cash advance fee will be 12.25% to 18% APR. All Annual Percentage Rates will vary with the market based on the Prime Rate. Click here to view our Consumer Credit Card Agreement.