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 18.24% to 28.24% based on your creditworthiness (variable, Prime Rate) after a 0% introductory APR for the first 12 billing cycles introductory rate. Rewards: 3% cash back on all purchases for 12 billing cycles on purchases up to $20,000, then 1.5% cash back on all purchases; 5% cash back on prepaid hotel and car reservations booked directly in the Travel Center.