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Terp Rewards

Earn & Redeem

Earn Points Everyday

Use your Terps Card and earn 1 point for every $1 spent on all purchases. 

Earn Up To 10X Points

When you shop online through Terp Rewards you can earn up to 10 points per $1 spent!

Reward Yourself

Redeem points for travel, merchandise, gift cards, and more! 

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0%

0% APR until January 20221

Qualified applicants receive 0% APR on balance transfers submitted 1/1/2021 – 6/30/2021 until January 20221
Learn More. 

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

Your APR will be 15.00% to 24.00%, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0.00% until January 2022. 

After that, your APR will be 13.25% – 24.00%, based on your credit worthiness. This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 15.00% to 24.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 

Transaction Fees

Balance Transfer Fee: $10.00 or 3.00% of the amount of each balance transfer, whichever is greater

Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater

Foreign Transaction Fee: None

Transaction Fee for Purchases: None

1Terms and conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers Terps Card is 0% until January 2022. The balance transfer fee is 3% or $10, whichever is greater, for balance transfers processed 1/1/21 – 6/30/21. The standard rate for purchases, balance transfers processed after the promotional period, and any unpaid promotional balance after January 2022 is 13.25% – 24.00% based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Offer will not supersede any existing introductory balance transfer offers. If you are requesting Terps Card to transfer outstanding credit card balances to your UICCU credit line (listed above), finance charges will accrue from the transaction date with no grace period. Allow at least two weeks for processing your requests(s). Continue to make monthly payments to each creditor until the balance transfer appears as a credit on that account. 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.