I don't believe RBFCU requires very high credit scores to approve for a credit card. They mostly pull TU. You can check the credit pull database (google it) for an idea on what they are looking for. I don't know if they require a SSN or not. It is something you probably should call them to ask.
If you are looking for BT card, the first hurdle is will they approve you for a large enough limit. It is very unlikely they will give you as high of a limit as your Venture. The second thing is are you going to be able to pay off the BT within 9 statements. If so, then the interest rate isn't that important. But it is very unlikely you will get their best interest rates. The cash back card has a range of 9.9-17.9% and the standard plat is 7.7 - 16.7%.
If you are able to be approved with a large enough limit and you can pay it off in 9 statements, then you will not have any fees. I believe they are planning on imposing a BT fee, but there isn't one right now.
Your DW cannot change her current auto loan to include you. However, she and you can refinance the loan with a different auto loan company. It shouldn't be hard for the two of you to refinance and add you onto the loan. Please note again, the 1.65% is RBFCU's lowest rate for up to a 66 month used/new auto loan. The rates go up to 12.99%. I don't know how likely the two of you are to get their best rates.
PS. I have been happy with my RBFCU relationship, however, I don't have an RBFCU credit card or auto loan. My RBFCU LOC/overdraft has still not reported to any CRA. I don't know if it is just a glitch with me, just RBFCU doesn't report LOC's or if they also don't report other TL's. When you are first building your credit, you want them to report to all three CRA's. It would be wise to verify if / how quickly they will report a CC or autoloan account.
Good luck!
