Fox Best Rate Credit Card

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

From January 15 through March 31, get a special Intro APR of 5.99%^ for 15 months on cash advances. Thereafter, the variable rate currently is 12.99% - 20.99%.

Also for a limited time: pay 0%± on purchases for the first 6 months from account opening. Thereafter, the standard variable APR will go into effect, which currently is 10.99% - 18.99%.

You don't need a credit card.
You want 2025 to be the year you authentically shine through what matters most to you.

Low introductory rate

0% APR on purchases for 6 months from account opening date, thereafter a variable APR of 10.99% to 18.99% 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.

You want a credit card to use on your terms. Maybe you also want a credit card with a lower rate so you can carry a balance. Or perhaps you want to move high-interest debt to a lower-interest card or get cash advances when money is tight. You know what you want. We have what you need. The Fox Best Rate Credit Card is the perfect card to keep 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 1 uChoose Rewards for every $1 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 for every $1 spent2
  • Redeem points for cash back with a Fox account deposit or a statement credit, merchandise and gift cards2
  • Pay with your points using Paypal, AmazonPay and Pay at the Pump (BP & Amoco gas stations)
  • Enroll in uChoose Rewards to claim your points

How to take advantage of the cash advance special and transfer those funds:

  1. Log into the Fox mobile app1 or online banking.
  2. Go to transfer funds.
  3. Choose your Fox credit card as the "from account."
  4. Choose your checking or savings account (the account you pay bills with) as the "to account."
  5. Enter the amount of money you'd like to transfer and click/tap "Transfer Funds."
  6. Now you're all set to pay off those other bills and consolidate your balances to your Fox credit card.
Having trouble? We're happy to help! Please contact us. 

Run the Numbers

Cash Advance Special

Save with a 0% Intro APR1 on Purchases for 6 Months!

From January 15th through March 31st, New Fox Cash Back Credit Card holders, pay 0% on purchases for the first 6 months from account opening.1Thereafter, the variable APR currently for the Fox Cash Back card is 15.99% - 23.99%.
New cardholders also receive special rates on cash advances!

How to transfer your balance

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

^
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. 
±
0% Intro Annual Percentage Rate (APR) on purchases for six months from the account opening date available tonew approved credit cards, thereafter, any unpaid balance will return to your standard variable APR dependent on the credit card product chosen. Currently the Fox Cash Back credit card is 15.99% to 23.99% on purchases, 17.99% to 25.99% on cash advance/balance transfers; Fox Best Rate 10.99% to 18.99% on purchases, 12.99% to 20.99% on cash advance/balance transfers; Fox Business Cash Back 12.50% to 20.50% on purchases and 14.50% to 22.50% on cash advances/balance transfers based on creditworthiness. 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 1% of each transaction in US dollars. Offer is subject to change without notice. Not available on Fox First Rewards or Fox Secured credit cards or to existing credit card holders. Loan subject to credit approval. For additional details, contact Fox. Credit cards are not Federally insured by NCUA. Membership required.  
1
Fox Best Rate Intro 0% APR is available to new account holders on purchases for six months from the account opening date, thereafter, your standard APR will be a variable rate based on the Prime Rate (currently 7.50% as of 12/19/2024), plus a margin of 3.49% to 11.49% for purchases; and 5.49% to 13.49% 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 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

“Cash Back Rewards” are rewards you earn under the program. Cash back rewards are tracked as points and each $1 in cash back rewards earned is equal to 1 point on eligible Net purchases charged to the card. Contact Fox for additional details or after logging into uChoose Rewards you may view the rewards program terms and conditions for complete details. Program subject to change. Redemption of cash back rewards can be requested in the form of a statement credit or cash through an electronic deposit into an eligible Fox checking account. An eligible Fox checking account is one having an open/active debit card. For accounts without a debit card, contact a Fox team member for further assistance in redeeming rewards for cash back into a Fox account. Restrictions and minimum reward points may apply. 

Redemption of cash back rewards can be requested in the form of a statement credit or cash through an electronic deposit into an eligible Fox checking account. An eligible Fox checking account is one having an open/active debit card. For accounts without a debit card, contact a Fox team member for further assistance in redeeming rewards for cash back to your account. Restrictions and minimum points may apply. For complete details contact Fox. 

uChoose Rewards is a registered trademark of Fiserv, Inc. Participating retailers subject to change. All other brand, product(s) and service names and logos are marks and/or trademarks of their respective owners.