The Urban Beginnings Choice Federal Credit Union is a business credit card from Urban Beginnings Choice Federal Credit Union. Application typically pulls a credit report from TransUnion. The annual fee is No annual fee. The ongoing APR is 0% introductory APR for the first 12 billing cycles; after that 17.49% to 26.49% based on your creditworthiness (variable, Prime Rate) after a 0% introductory APR for the first 12 billing cycles introductory rate. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back at gas and EV charging stations (transactions of $200 or less), cell phone service providers, office supply stores and dining; 1% cash back on all other eligible purchases; 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center.