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: Earn 15,000 points (worth up to $150) when you spend $500 within the first 90 days. Rewards: 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter; 2X points at grocery stores, gas stations and EV charging stations, and eligible streaming services; 1X points on all other eligible purchases.