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Promotions

Your Terps VISA® Signature Rewards Card gives you instant access to dozens of benefits in addition to Terp Rewards you earn.

Earn 1 point for every $1 spent on all purchases, all year round. Plus, new cardholders take advantage of the following promotions:

0%

0% APR* for the first 12 months after card opening on purchases and balance transfers

*Terms and conditions: APR=Annual Percentage Rate. The promotional APR for balance transfers and purchases for new cardholders is 0% for the first 12 billing cycles after card issuance. The balance transfer fee is 3% or $10, whichever is greater, for Terps VISA® Signature Rewards accounts. After that, your APR will be 14.75% - 24.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. If you are requesting Terps Card to transfer outstanding credit card balances to your Terps VISA® Signature Rewards credit line, finance charges will accrue from the transaction date with no grace period. Allow at least two weeks 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 the account opening disclosure and your Credit Card Agreement. Terps Card reserves the right to refuse any application.

10X

10X points on all University of Maryland purchases*

*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.

50,000

50,000 bonus points when you spend $5,000 in purchases within 90 days of card issuance*

*Terms and Conditions: New cardholders are eligible for 50,000 bonus points after $5,000 in purchases within the first 90 days of card issuance. "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. Transactions are subject to the account opening disclosure and your Credit Card Agreement. Allow up to 60 days after promotional period for points to be applied. Terps Card reserves the right to refuse any application.

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APR* FOR THE FIRST 12 MONTHS

Qualified applicants receive 0% APR* for the first 12 months after card opening on purchases and balance transfers.

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

0.00% Introductory APR for 12 months from issuance of card.

After that, your APR will be 14.75% to 24.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0.00% Introductory APR for 12 months from issuance of the card. 

After that, your APR will be 14.75% to 24.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 14.75% 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