Fox Best Rate Credit Card

The ideal card for when you have to carry a balance and you seek a competitive, low interest rate.

A low competitive interest rate while earning rewards points? Your search stops here.

Low introductory rate

5.99% APR on purchases for six months from account opening date, thereafter a variable APR of
11.99% to 19.99% will apply.1

Earn points, redeem for rewards

Earn 1 uChoose Rewards® point per $1 spent using your Fox Best Rate credit card and redeem with Amazon & Paypal Pay with Points, cash back (as a statement credit), merchandise, gift cards, and travel!2

No annual fee1

You won't find any of those here.

Earning uChoose Rewards points isn't the only benefit that comes with the Fox Best Rate Credit Card. There's so much more to see below.

How do you use your credit card? Do you typically carry a balance? Is it a tool to pay for emergencies you don’t have the cash for, thereby paying off your balance a little at a time each month? Is it there for cash advances when you’re strapped for cash? Is it a tool to consolidate high-interest debt onto a low-interest card via balance transfers? If you said yes to any or all of these questions, our Fox Best Rate Credit Card is the card you’re going to want in your wallet.

You can't go wrong with:

  • A low introductory rate on new cards.1
  • No fee cash advances and balance transfers.
  • Earning one uChoose Rewards point per dollar spent.2
  • No annual fee.1
  • Additional Visa Benefits that allow you to make purchases and travel confidently.

Earn unlimited uChoose Rewards points

  • Earn 1 uChoose Rewards point per $1 spent2
  • Redeem points for cash back (through a statement credit), merchandise and gift cards2
  • Pay with your points using Paypal, AmazonPay and Pay at the Pump (BP & Amaco gas stations)
  • Enroll in uChoose Rewards to claim your points

Run the Numbers

Fox Communities Credit Union is a full-service, not-for-profit financial institution serving members throughout Wisconsin.

Please review the link below for pricing and complete details.

Important Pricing & Terms

1

Fox Best Rate intro 5.99% APR is available to new account holders on purchases for six months from the account opening date, after that, your standard APR will be 11.99% to 19.99% and may vary with the market based on the Prime Rate (currently 8.50% as of 11.22.2023). The APR may increase or decrease as identified by the Wall Street Journal ‘Prime Rate’. The APR will be equal to the Prime Rate plus a margin of 3.49% to 11.49% for purchases; and 5.49% to 13.49% for cash advances and balance transfers. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. APR is based on creditworthiness at the time the account is established. No annual membership fee, cash advance or balance transfer fee. A foreign transaction fee is 1% of each transaction in US dollars. For additional information, see a Fox team member or refer to your Credit Card Account disclosure for complete details and applicable fees. 

2

Earn 1 point per $1.00 on qualifying net purchase(s) (purchase(s) minus return(s) and/or other related credit(s)). Reward points are not earned on cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your credit card account. There is no cap on the number of Reward points you can earn on purchases. Reward points are nontransferable and expire 5 years from the end of the month in which they were posted. If your account is either closed by you or Fox, rewards points will not be earned and will be forfeited and cannot be redeemed. Minimum reward point requirements apply, for complete details, terms, and conditions, visit uChoose Rewards, additional restrictions may apply.

Cashback rewards will be in the form of a statement credit, applied to the applicable credit card account within 5 business days after redemption provided accurate account information is provided by you. Statement credits will reduce your balance, but you are still required to make at least your minimum monthly payment.

Reward points redemption may also be used for merchandise, gift cards, Pay with Points, travel, etc., which can be completed at www.uchooserewards.com, or at participating merchants in Pay with Points program. Restrictions may apply. Fox Communities Credit Union (“Fox”) may change, amend, temporarily suspend or cancel, the uChoose® Rewards program at any time without advance notice, which may result in the changes affecting your outstanding transactions and points, including the cancellation of outstanding points. uChoose® Rewards is a registered trademark of Fiserv, Inc. Participating retailers subject to change. All other brand(s), product(s) and service name(s) and logo(s) are marks and/or trademarks of their respective owners.