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 6 billing cycles; after that 17.99% to 28.24% based on your creditworthiness (variable, Prime Rate) after a 0% introductory APR for the first 6 billing cycles introductory rate. Signup bonus: Get 2,500 bonus points (worth up to $25) after your first purchase. Rewards: 1.5X points per $1 spent on all eligible purchases; redeem for cash back, travel, merchandise or gift cards.