⁴APR=Annual Percentage Rate. The promotional APR applies balance transfers for new Terps cardholders after 7-1-23 and processed within the first 12 months of card issuance. There is a fee of 3% of the balance transfer amount. “Balance Transfers” do not include cash advances, transfers to existing Terps Card accounts, prepaid cards, gift card, wire transfers, bill pay, similar transfers or cash equivalents. The promotional APR will expire 365 days after the date the card is opened or upgraded. Your standard APR after the introductory rate has ended will range depending on your credit worthiness and will adjust with the market based on the Prime Rate. If you are requesting Campus Card Services to transfer outstanding credit balances to your TERPS credit line, finance charges will accrue from the transaction date with no grace period. Allow at least fourteen business days for processing your request(s). Continue to make monthly payments to each creditor until the balance transfer appears as a credit on that account. Transactions are subject to account opening disclosure and your Credit Card Agreement. All Terps card accounts are subject to credit approval and membership qualifications. CU Campus Card Services reserves the right to refuse any application. Offers available for a limited time and subject to end without notice. Other restrictions may apply. Contact a Terps Card Representative for additional details.

²New cardholder accounts are eligible for 10,000 bonus points after spending $500 in purchases within the first 30 days of card issuance. This offer is not available for applicants who have or have had this card. Eligible purchases are purchases for goods and services minus returns and other credits. "Purchases" do not include balance transfers, cash advances, prepaid cards, gift cards, wire transfers, bill pay, similar transfers, or other cash equivalents. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you cancel or return purchases you made to meet the required spend), we may not credit bonus points or we may take away points from your account. We may also cancel this Card account. Transactions are subject to the account opening disclosure and your Credit Card Agreement. Allow up to 60 days after qualification period for points to be applied. Terps Card reserves the right to refuse any application.

³Terms and conditions: Ten times bonus points apply to applicable purchases from the University of Maryland. "Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Allow 30 days for points to be applied. Transactions are subject to the account opening disclosure and your Credit Card Agreement. Terps Card reserves the right to refuse any application. Offer available for a limited time and subject to end without notice.