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Promotions

New Cardholders

0%

0% APR2 for the first 12 months after card opening on purchases and balance transfers

2Terms 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 15.00% - 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.

50k

Earn 50,000 points when you spend $5,000 in purchases.3

3New cardholders are eligible for 50,000 bonus points after $5,000 in purchases within the first 90 days of card issuance. This offer is not available for current cardholders or previous cardholders who received a new cardholder bonus in the last 24 months. "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.

10X

10X points on all University of Maryland purchases4

4Terms 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.

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APR2 FOR THE FIRST 12 MONTHS

Qualified applicants receive 0% APR2 for the first 12 months after card opening on purchases and balance transfers.

Current Cardholders

Current Cardholders Promotion | 0% APR Balance Transfers for 12 Months

Save money on interest when you transfer your high-rate credit card balances to your Terps Visa Signature Rewards Card! Balance transfer now through March, 31 2019 and receive 0% APR until January 2020!1

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 15.00% 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 15.00% to 24.00%, based on your creditworthiness. 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=APR = Annual Percentage Rate. The promotional APR for balance transfers processed from 1/1/19-3/31/19 for Terps Visa Signature Rewards cards is 0% until January 2020. The balance transfer fee is 3% or $10, whichever is greater. The standard rate for purchases, balance transfers processed after 3/31/19, and any unpaid promotional balance after January 2020 is 15.25% - 24% based on your creditworthiness. If you are requesting Terps Card to transfer outstanding credit card balances to your Terps Card credit line, 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. Balance Transfer promotion ends March 31, 2019.