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Promotions

0% APR on Balance Transfers until January 2022

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0% APR until January 20221

1 Terms 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.

10K

Earn 10,000 points when you spend $500 in purchases.2

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.

10X

10X points on all University of Maryland purchases3

3Terms 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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APR UNTIL JANUARY 20221

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

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

Your APR will be 15.00% – 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% APR 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.

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.

3Terms 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.