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 18 billing cycles; after that 16.49% to 25.49% based on your creditworthiness (variable, Prime Rate) after a 0% introductory APR for the first 18 billing cycles introductory rate. Rewards: 5% cash back on prepaid travel booked directly in the Travel Center; $50 annual statement credit when you spend $5,000 in the Travel Center; cell phone protection up to $600; $0 fee ExtendPay Plan annually.