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.
New cardholders can earn up to 6,000 bonus points with their new rewards card:
Earn a 1,000‑point opening bonus and an additional 5,000‑point bonus after spending $5,000 within six months.*^
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.
*1,000 bonus points will be awarded to individuals who open a new Rewards Credit Card or Rewards Elite Credit Card 04/01/26 – 12/31/26. 5,000 additional bonus points will be awarded to individuals who, within six months of account opening, use their Beginnings Rewards Credit Card for purchase(s) totaling $5,000 or more.
^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.