You're Already Spending, So Why Not Earn CASH BACK Rewards Points Every Time You Use Your Beginnings Credit Union Rewards or Rewards Elite Credit Card.
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".
*View our disclosures for additional Terms and Conditions. All cards are subject to approval.
We offer rewards credit cards in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.