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 12 billing cycles; after that 17.99% to 28.24% based on your creditworthiness (variable, Prime Rate) after a 0% introductory APR for the first 12 billing cycles introductory rate. Signup bonus: $150 bonus when you spend $500 within the first 90 days. Rewards: 5% cash back in two categories of your choice (first $2,000 in combined purchases each quarter); 2% unlimited cash back on one everyday category of your choice; 1% unlimited cash back on all other eligible purchases.