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 $0 introductory annual fee for the first 12 months; after that $95 for Account Owners and $0 for Authorized Employees. The ongoing APR is 18.49% to 25.49% based on your creditworthiness (variable, Prime Rate). Signup bonus: 20,000 bonus points (worth up to $200) when you spend $500 on the Authorized Officer's card within the first 90 days. Rewards: 2X points per $1 in your top two spend categories each month; 1X points on all other eligible purchases; 5X points on prepaid hotels and car rentals booked directly in the Travel Center.