Credit Cards
Cash back, low interest rate, rewards? No matter what you want, Fox has what you need.
You want to take someone on an adventure.
At Fox, we offer cards designed to meet your needs and on your terms. Maybe you're looking to repair or improve your credit. Maybe you simply want better rewards and cash back options. With four card options offering better benefits than national banks, we can give you the financial tools you need without having to worry about high monthly payments, interest rates or fees.You know what you want. We have what you need.
This card is great for people who typically pay off their balance each month.
- Unlimited 1.5% cash back^ with every purchase
- Redeem points for cash back with a Fox account deposit or a statement credit
- No annual fee±
The ideal card for when you have to carry a balance and you seek a competitive, low interest rate.
- Earn 1 uChoose Rewards^ point for every $1 spent
- Redeem your points with Amazon & Paypal Pay with Points, cash back, merchandise, gift cards, and travel
- No annual fee±
For those who have never had a credit card and would like to establish credit.
- Earn 1 uChoose Rewards^ point for every $1 spent
- Redeem points with Amazon, PayPal, get cash back, merchandise, and more
- No annual fee±
You want to be the best version of you. You want a financial makeover. Reestablish your credit and raise your credit score. Start with a Fox Secured Credit Card.
- No fee cash advances and balance transfers.
- Rebuild your credit.
- No annual fee.±
Compare Credit Cards
| Fox Cash Back | Fox Best Rate | Fox First Rewards | Fox Secured | Fox Business Cash Back | |
|---|---|---|---|---|---|
| Ideal Card for: | Members who typically pay off their balance each month | Competitive low rate for when you have to carry a balance | Only those who have never had a credit card and want to take the next step towards establishing their own credit | Rebuilding credit to improve credit score Card is funded with a refundable security deposit which equals your credit limit - as low as $300 |
Business members who typically pay off their balance each month |
| Variable Annual Percentage Rate (APR) for Purchases Based upon your creditworthiness and changes with Prime Rate |
0% intro APR for 6 months from account opening on purchases. After intro period, a variable APR of 15.24%–23.24% | 0% intro APR for 6 months from account opening on purchases. After intro period, a variable APR of 10.24%–18.24% Our lowest variable APR |
Variable APR 14.24% |
Variable APR 18.24% |
0% Intro APR on Purchases for six months from account opening date, thereafter variable APR of 11.75% - 19.75% will apply |
| APR for Balance Transfers and Cash Advances | Purchase Variable APR + 2.00% APR |
Purchase Variable APR + 2.00% APR |
Purchase Variable APR + 2.00% APR |
Purchase Variable APR + 2.00% APR |
Purchase Variable APR + 2.00% APR |
| Annual Fee | $0 | $0 | $0 | $0 | $0 |
| Transaction Fees | Balance Transfer: $0 Cash Advance: $0 Foreign Transaction: 1% of each transaction (U.S. $) |
Balance Transfer: $0 Cash Advance: $0 Foreign Transaction: 1% of each transaction (U.S. $) |
Balance Transfer: $0 Cash Advance: $0 Foreign Transaction: 1% of each transaction (U.S. $) |
Balance Transfer: $0 Cash Advance: $0 Foreign Transaction: 1% of each transaction (U.S. $) |
Balance Transfer: $0 Cash Advance: $0 Foreign Transaction: 1% of each transaction (U.S. $) |
| Reward Points | Unlimited 1.5% cash back^ with every purchase | 1 point for every $1 spent^ | 1 point for every $1 spent^ | None | Unlimited 1.5% cash back^ with every purchase |
| Reward Options uChoose Rewards |
Cash Back to Fox Account or Statement Credit | Amazon & Paypal Pay with Points, Cash Back (to Fox Account or Statement Credit), Merchandise, Gift Cards, and Travel | Amazon & Paypal Pay with Points, Cash Back (to Fox Account or Statement Credit), Merchandise, Gift Cards, and Travel | None | Cash Back to Fox Account or Statement Credit |
| Apply Now | Apply Now | Apply Now | Apply Now | I'm Interested |
Annual Percentage Rates (APR) accurate as of 4/2/26, and subject to change without notice. APR is variable and based on U.S. Prime Rate, product type and creditworthiness. Rates, terms, and conditions subject to change at any time without notice. Subject to credit approval and membership required.
Cash Back Rewards are rewards you earn under the uChoose® Rewards program. Cash Back Rewards are earned as points, with $1.00 in Cash Back equal to 1.5 points (1.5% cashback) on the Fox Cash Back and Fox Business Cash Back; on the Fox Best Rate and Fox First Rewards credit card you earn 1 point per $1.00 on qualifying eligible net purchases (purchases minus returns and credits). Any fractional reward points earned will be rounded to the nearest whole point (for example, 1.99 points will round up to 2 points). Points are not earned on cash advances, balance transfers, fees, or unauthorized transactions. Rewards are non-transferable and expire five years from the month posted. Closing your account will result in forfeiture of unredeemed points. Redemption is available as a statement credit or electronic deposit to an eligible Fox checking account with an active debit card; minimum point requirements apply. In addition, the Fox Best Rate and Fox First Rewards credit cards have additional redemption options which include merchandise, travel, and gift cards. All reward redemptions are subject to rewards program rules, terms, and conditions; additional restrictions may apply. Statement credits or electronic deposits are processed within five business days. A statement credit reduces your balance; however, you’re required to make the minimum monthly payment. For complete details, terms, and conditions log into your account by visiting www.uchooserewards.com or contacting Fox.
Fox Communities Credit Union (Fox) may modify, suspend, or cancel the uChoose® Rewards program at any time without prior notice. Changes may impact your transactions and points, including possible cancellation of outstanding points. For full terms and details log into your uchooserewards.com account or contact Fox. uChoose® Rewards is a registered trademark of Fiserv, Inc. Retailer participation may change. All other name(s) and logo(s) are marks and/or trademarks of their respective owners.