Fox First Rewards Credit Card

Start building your credit with a Fox First Credit Card. Having a good credit score is important because it can mean lower interest rates on loans (like vehicle or home loans) and other forms of credit. 

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!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 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:

Please review the link below for pricing and complete details.

Important Pricing & Terms

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

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. 

Transcript

Run the Numbers

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

1

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.

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.