Choose the card that loves you back with rewards.
Limited-time Credit Card Bonus Offer: Earn up to 20,000 bonus points!*
Whether you're opening a new card or already have one, there are exciting ways to earn:
New Cardholders*^
Open a Rewards or Elite Rewards credit card and earn:
- 10,000 bonus points just for opening your account
- 5,000 bonus points when you spend $1,000 within 30 days of opening
(Card must be opened by 12/31. Spending goal must be met within 30 calendar days.)
All Cardholders (New & Existing)**^
- Earn 5,000 bonus points when you spend $1,000 between 10/1 and 12/31
(If you're new, your qualifying purchases for the 30-day bonus also count toward this one!)
Credit Card Features
- Access to Digital Banking
- Digital Wallet Capabilities (Apple and Google Pay)
- MasterCard Guide to Benefits
- Avoid interest charges by paying your full statement balance on or before your due date each month
- Instant Issue at branches
Rewards Credit Card
- Earn Rewards Points
- 1 point for every $1 spent
- Use your points to redeem CASH BACK
- UChoose Rewards
- No annual fee
- Credit Limit $500 - $25,000
Rewards Elite Credit Card
- Earn Rewards Points
- 2 points for every $1 spent
- Use your points to redeem CASH BACK
- UChoose Rewards
- Higher credit limit
- Lowest interest rate
- Low $50 annual fee
- Credit Limit $10,000 - $50,000
Classic and Secured Credit Cards
- Can help you build or rebuild credit
- Low $15 annual fee that is waived if a member maintains a Direct Deposit in a Beginnings Credit Union account or has a Beginnings Credit Union Mortgage
- Credit Limit $500 - $5,000
- Secured Cards have a fixed rate
Want to increase your credit limit?
- Choose the credit card type you currently have that you want to increase the limit on.
- Under "Loan Purpose", choose "Credit Increase".
*10,000 bonus points will be awarded to individuals who open a new Rewards Credit Card or Rewards Elite Credit Card 10/01/25 – 12/31/25. 5,000 additional bonus points will be awarded to individuals who, within 30 days of account opening, use their Beginnings Rewards Credit Card for purchase(s) totaling $1,000 or more.
**5,000 bonus points will be awarded to both existing and new cardholders who use their Beginnings Rewards Credit Card for purchase(s) totaling $1,000 between 10/1/25-12/31/25.
^Bonus points will be credited to the account within 30 days of opening and first purchase, or within 30 days after purchase amount requirements being met. Account holders are eligible to receive bonus points on each new account they open. All credit cards are subject to approval. UChoose Registration required to redeem points. Federally insured by NCUA.
We offer rewards credit cards in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.