Are you venturing into the world of revolving credit for the first time?

Build & establish credit

Pay your Fox First Rewards credit card bills responsibly to build and establish credit. 

Earn points, redeem for rewards

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

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 First Rewards Credit Card. See more down below.

When you’re ready to take your first steps out into the big, wide world of financial freedom, you'll want to have a credit card you can trust. A card with strong security, rewards and access to the credit you need for all your purchases. Our Fox First Rewards Credit Card does just that, with features tailored to those who are just starting out building credit.

Along with the opportunity to build credit, you'll receive:

  • One uChoose Rewards point per dollar spent.
  • No fee cash advances and balance transfers.
  • No annual fee.1

Please review the link below for pricing and complete details in the credit card disclosure.

View Credit Card Disclosure

Additional Credit Card Benefits

Not only do Fox credit cards provide financial flexibility but they also offer a suite of exclusive benefits. Experience the convenience of our credit cards with the added assurance of these valuable perks, designed to elevate your financial experience. Read the VISA benefits guide for full details. 

  • Auto Rental Coverage
  • Extended Warranty Program
  • Hotel Theft Protection
  • Baggage Delay Reimbursement
  • Trip Cancellation/Trip Interruption
  • Trip Delay Reimbursement
  • Lost Luggage Reimbursement
  • Roadside Dispatch
  • $500,000 Travel Accident Insurance

Using Your Credit Card

The key to a successful partnership with your credit card is to pay it in full on time. Paying in full and on time is a simple rule to remember, but there are a few things you need to be aware of in order to follow it successfully. Use the following questions as a guide to using your credit card with confidence. 

  1. Do you currently have credit card debt?
  2. Do you know when your billing cycle opens and closes?
  3. Do you know your payment due date?
  4. Do you have an emergency fund? 

Watch the video to learn more about this approach and gain the knowledge you need for a successful partnership with your credit card. 

So... what's a credit score and why is it important?

A credit score is a number (usually between 300 and 850) that represents your creditworthiness. It’s a standardized measurement that financial institutions and credit card companies use to determine risk level when considering issuing you a loan or a credit card. Basically, it provides a snapshot of how likely you are to repay your debts on time. Having a good credit score is important because it can mean lower interest rates on loans and other forms of credit. 

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

Run the Numbers


Fox First Rewards rate is variable and based on the Prime Rate (currently 8.50% as of 11.22.2023), plus a margin of 7.49% for purchases; and 9.49% for cash advances and balance transfers. The APR may increase or decrease as identified by the Wall Street Journal ‘Prime Rate’. 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 20%. 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.