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Terps Card

Introducing the Official Credit Card of University of Maryland Alumni & Fans!

Stay fearless and show your Maryland pride every time you shop with the Terps VISA® Signature Rewards Card. Earn Terp Rewards on your everyday transactions and redeem points for exclusive travel, premium merchandise, events, and gift cards. PLUS, donations back to the University of Maryland Alumni Association.

 

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Features & Benefits

Terp Rewards

Earn 1 point for every $1 spent with your Terps VISA® Signature Rewards Card. Redeem points for the rewards you want!

No Fees

Annual Fee: NONE
Foreign Transaction Fees: NONE

VISA® Signature Benefits

Enjoy all of the standard peace of mind benefits from VISA® plus enhanced VISA® perks and privileges.

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Terps Card Overview
Features Terps Card
Annual Fee No
Foreign Transaction Fees No
Rewards Yes
Scroll right to see the entire table
Visa® Signature Benefits
  • Emergency Card/Cash Disbursement

  • Lost/Stolen Card Reporting

  • Auto Rental*

  • Roadside Dispatch

  • Travel/Emergency Assistance*

  • Signature Concierge

  • Signature Perks – Travel, Entertainment, Fine Wine & Food, Sports, and Shopping

  • Warranty Manager

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

1.99% introductory APR for 12 months from issuance of the card. After that, your APR will be 16.25% to 24.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

1.99% introductory APR for 12 months from issuance of the card. After that, your APR will be 16.25% to 24.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances 16.25% 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

1Qualifying tiers for all rewards points bonuses determined by the merchant code as supplied by the merchant. Bonus points apply to applicable purchases made between 10/1/2022 and 12/31/2022. “Purchases” do not include cash advances, prepaid cards, gift cards, wire transfers, bill pay, similar transfers or cash equivalents. To be eligible for this 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. CU Campus Card Services reserves the right to refuse any application or transaction. Allow up to 60 days for bonus points to be applied. Other restrictions may apply.

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.

3 Terms 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.

4APR=Annual Percentage Rate. The promotional APR applies to purchases and balance transfers for new Terps cardholders opened between 10-1-22 and 12-31-22 and processed within the first 12 months of card issuance. “Purchases and 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. Your standard APR after the introductory rate will range depending on your credit worthiness and will vary with the market based on the Prime Rate. 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.