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Terps Card

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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
Introductory Offer Yes: 0% APR¹, 30,000 Points²
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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

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=Annual Percentage Rate. The promotional APR for balance transfers 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, the APR for balance transfers will be 15.50% - 24.00% based on your creditworthiness. The APR for all purchases is 15.50% - 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.

2New cardholders are eligible for 30,000 bonus points after $5,000 in purchases within the first 90 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.