Terps Card

¹Discounts and refund policies vary based on merchants. Please refer to specific merchant terms and conditions on the Checkout With Points website for more details.

¹Terms and Conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers processed between and 3/1/2023 and 6/30/2023 is 0%. The promotional balance transfer fee is 3% of the balance transfer amount for balance transfers processed during this promotional period. Promo excludes TERPs cards opened 9/15/21-6/30/22 within 545 days from open date, cards opened 10/1/22 and after within 365 days from open date, or cards opened as part of the Lifetime Members promotion between 7/1/2022 and 9/15/2022 and within 545 days from open date. The standard rate for balance transfers processed after 6/30/2023 and any unpaid promotional balance remaining after the February 2024 statement cycle will vary with the Prime Lending Rate and is as follows: 17.75%-21.75% depending on your credit worthiness. If you are requesting Campus Card Services to transfer outstanding credit balances to your TERPS credit line (listed above), 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. Campus Card Services reserves the right to refuse any application. Balance Transfer Promotion ends 6/30/2023.

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 3-31-23 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.