Credit Cards
Cash back, low interest rate, rewards? No matter what you want, Fox has what you need.
You don't need a credit card.
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.
From January 15th through March 31st, transfer other credit card balances to your Fox Cash Back or Fox Best Rate credit card and get a special intro APR of 5.99%^ for 15 months. Thereafter, the variable rate currently for the Fox Cash Back card is 17.99% - 25.99% and for the Fox Best Rate card is 12.99% - 20.99%.
Also for a limited time: New Fox Cash Back Credit Card and New Fox Best Rate Credit Card holders: pay 0% on purchases for the first 6 months from account opening.1
Thereafter, the variable rate currently for the Fox Cash Back card is 15.99% - 23.99% and for the Fox Best Rate card is 10.99% - 18.99%.
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 back2 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 Rewards2 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 Rewards2 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 Accounts
| Fox Cash Back | Fox Best Rate | Fox First Rewards | Fox Secured | |
|---|---|---|---|---|
| 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 |
| Variable Annual Percentage Rate (APR) for Purchases Based upon your creditworthiness and changes with Prime Rate |
Variable APR 15.99% - 23.99% |
Variable APR 10.99% - 18.99% |
Variable APR 14.99% |
Variable APR 18.99% |
| Introductory Rate for Purchases | 0% Intro APR on Purchases for six months from account opening date, thereafter variable APR of 15.99% - 23.99% will apply | 0% Intro APR on Purchases for six months from account opening date, thereafter variable APR of 10.99% - 18.99% will apply | NO | NO |
| 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 |
| Annual Fee | $0 | $0 | $0 | $0 |
| Transaction Fees Balance Transfer Cash Advance Foreign Transaction |
$0 $0 1% of each transaction (U.S. $) |
$0 $0 1% of each transaction (U.S. $) |
$0 $0 1% of each transaction (U.S. $) |
$0 $0 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 | NO |
| 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 | NO |
Annual Percentage Rates (APR) accurate as of December 19, 2024, 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.
Intro 5.99% Annual Percentage Rate (APR) applies to cash advances and/or balance transfers made from 01/15/2025 to 03/31/2025 and will remain at Intro APR until 06/30/2026. Balance transfer offer applies to balance transfer that posts to your account by 03/31/2025. Cardholders are responsible for making payments to other accounts until balance transfer transaction is completed. Balance transfer may not be used to pay any Fox accounts. After the intro period, any unpaid balance will return to your standard balance transfer/cash advance variable APR currently 17.99% to 25.99% for Fox Cash Back; 12.99% to 20.99% for Fox Best Rate; 14.50% to 22.50% for Fox Business Cash Back card based on your creditworthiness. Purchases made will be at the standard variable APR currently 15.99% to 23.99% for Fox Cash Back; 10.99% to 18.99% for Fox Best Rate; 12.50% to 20.50% for Fox Business Cash Back. The variable card APR will never be more than 27%. The standard cash advance/balance transfer and purchase APR for Visa Platinum Rewards (grandfathered) is currently 9.90% to 17.90% based on your creditworthiness. Interest begins accruing as of the balance transfer/cash advance date and is calculated using the average daily balance. No balance transfer/cash advance fee. Minimum interest charge $1. Fee for foreign transactions 1% of each transaction in U.S. dollars. Offer is subject to change without notice. Not available on Fox First Rewards or Fox Secured credit cards. Loan subject to credit approval. Balance transfer subject to available credit. Rewards program does not apply to cash advances/balance transfers. For additional details, contact a Fox team member or refer to your Credit Card Account disclosures for complete details and applicable fees. Credit cards are not Federally insured by NCUA. Membership Required.
Reward points are earned on qualifying net purchases (purchases minus returns and/or other related credits). Reward points are not earned on cash advances, balance transfers, unauthorized or fraudulent charges or for fess of any kind on your card account. Points will expire 5 years from the end of the month in which they were posted. Refer to your uChoose Rewards® Terms and Conditions for complete program details, terms and conditions or visit uchooserewards.com. Program terms and conditions are subject to change at any time without notice; we may add, remove, and or reduce, terminate, or modify this program at any time. uChoose Rewards is a registered trademark of Fiserv, Inc. Participating retailers subject to change. All other brand(s), product(s) and service names and logos are marks and/or trademarks of their respective owners. Restrictions may apply.