The Urban Beginnings Choice Federal Credit Union is a personal credit card from Urban Beginnings Choice Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 0% introductory APR for the first 21 billing cycles; after that 17.49% to 28.49% based on your creditworthiness (variable, Prime Rate) after a 0% introductory APR for the first 21 billing cycles introductory rate. Rewards: 4% cash back on prepaid travel booked directly in the Travel Center; $15 annual statement credit after making purchases for 11 consecutive months; cell phone protection up to $600; $0 fee ExtendPay Plan annually.