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 6 billing cycles; after that 17.49% to 26.49% based on your creditworthiness (variable, Prime Rate) after a 0% introductory APR for the first 6 billing cycles introductory rate. Signup bonus: 2,500 bonus points (worth up to $25) after your first purchase. Rewards: 1.5X points per $1 spent on all other eligible purchases; 5.5X points on prepaid hotels and car rentals booked directly in the Travel Center; no cap on rewards.