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Fox Cash BackRemove

Fox Communities Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first0%FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfersintroductory rate first4.99%FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Minimum interest charge$1FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Annual feeIntro 0% Annual Percentage Rate (APR) on purchases for six months from the account opening date to new approved credit cards. Thereafter, any unpaid balance will return to your standard variable APR dependent on the credit card product chosen. Fox Best Rate standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 3.49% to 11.49% for purchases; or Prime plus a margin 5.49% to 13.49% for cash advances and balance transfers. Fox Cash Back standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 8.49% to 16.49% for purchases; or Prime plus a margin 10.49% to 18.49% for cash advances and balance transfers. Balance transfer subject to available credit. APR is based on creditworthiness at the time the account is established. Rewards do not apply to cash advance/balance transfers. The APR may increase or decrease as identified by the Wall Street Journal “Prime Rate”. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. No annual membership fee, cash advance or balance transfer fee. Minimum interest charge $1. A foreign transaction fee is 1% of each transaction in U.S. dollars. Promotional offer, rates, terms and conditions are subject to change without notice. For additional information, contact Fox or see Important Credit Card Disclosures for complete details and applicable fees. Loan subject to credit approval and membership eligibility.FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Transaction fees
Cash advance$0, Intro 0% Annual Percentage Rate (APR) on purchases for six months from the account opening date to new approved credit cards. Thereafter, any unpaid balance will return to your standard variable APR dependent on the credit card product chosen. Fox Best Rate standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 3.49% to 11.49% for purchases; or Prime plus a margin 5.49% to 13.49% for cash advances and balance transfers. Fox Cash Back standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 8.49% to 16.49% for purchases; or Prime plus a margin 10.49% to 18.49% for cash advances and balance transfers. Balance transfer subject to available credit. APR is based on creditworthiness at the time the account is established. Rewards do not apply to cash advance/balance transfers. The APR may increase or decrease as identified by the Wall Street Journal “Prime Rate”. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. No annual membership fee, cash advance or balance transfer fee. Minimum interest charge $1. A foreign transaction fee is 1% of each transaction in U.S. dollars. Promotional offer, rates, terms and conditions are subject to change without notice. For additional information, contact Fox or see Important Credit Card Disclosures for complete details and applicable fees. Loan subject to credit approval and membership eligibility.FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Balance transfer$0, Intro 0% Annual Percentage Rate (APR) on purchases for six months from the account opening date to new approved credit cards. Thereafter, any unpaid balance will return to your standard variable APR dependent on the credit card product chosen. Fox Best Rate standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 3.49% to 11.49% for purchases; or Prime plus a margin 5.49% to 13.49% for cash advances and balance transfers. Fox Cash Back standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 8.49% to 16.49% for purchases; or Prime plus a margin 10.49% to 18.49% for cash advances and balance transfers. Balance transfer subject to available credit. APR is based on creditworthiness at the time the account is established. Rewards do not apply to cash advance/balance transfers. The APR may increase or decrease as identified by the Wall Street Journal “Prime Rate”. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. No annual membership fee, cash advance or balance transfer fee. Minimum interest charge $1. A foreign transaction fee is 1% of each transaction in U.S. dollars. Promotional offer, rates, terms and conditions are subject to change without notice. For additional information, contact Fox or see Important Credit Card Disclosures for complete details and applicable fees. Loan subject to credit approval and membership eligibility.FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Foreign transaction1% of the amount, Intro 0% Annual Percentage Rate (APR) on purchases for six months from the account opening date to new approved credit cards. Thereafter, any unpaid balance will return to your standard variable APR dependent on the credit card product chosen. Fox Best Rate standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 3.49% to 11.49% for purchases; or Prime plus a margin 5.49% to 13.49% for cash advances and balance transfers. Fox Cash Back standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 8.49% to 16.49% for purchases; or Prime plus a margin 10.49% to 18.49% for cash advances and balance transfers. Balance transfer subject to available credit. APR is based on creditworthiness at the time the account is established. Rewards do not apply to cash advance/balance transfers. The APR may increase or decrease as identified by the Wall Street Journal “Prime Rate”. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. No annual membership fee, cash advance or balance transfer fee. Minimum interest charge $1. A foreign transaction fee is 1% of each transaction in U.S. dollars. Promotional offer, rates, terms and conditions are subject to change without notice. For additional information, contact Fox or see Important Credit Card Disclosures for complete details and applicable fees. Loan subject to credit approval and membership eligibility.FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Penalty fees
Late payment—
Returned payment—
Other APRsoutside the standard boxes4.99%FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Opening conditionsIntro 0% Annual Percentage Rate (APR) on purchases for six months from the account opening date to new approved credit cards. Thereafter, any unpaid balance will return to your standard variable APR dependent on the credit card product chosen. Fox Best Rate standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 3.49% to 11.49% for purchases; or Prime plus a margin 5.49% to 13.49% for cash advances and balance transfers. Fox Cash Back standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 8.49% to 16.49% for purchases; or Prime plus a margin 10.49% to 18.49% for cash advances and balance transfers. Balance transfer subject to available credit. APR is based on creditworthiness at the time the account is established. Rewards do not apply to cash advance/balance transfers. The APR may increase or decrease as identified by the Wall Street Journal “Prime Rate”. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. No annual membership fee, cash advance or balance transfer fee. Minimum interest charge $1. A foreign transaction fee is 1% of each transaction in U.S. dollars. Promotional offer, rates, terms and conditions are subject to change without notice. For additional information, contact Fox or see Important Credit Card Disclosures for complete details and applicable fees. Loan subject to credit approval and membership eligibility.FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Introductory; Cash advance · IntroductoryPromotional 4.99% Annual Percentage Rate (APR) applies to cash advances and/or balance transfers made from 9/8/2026 to 10/31/2026 and will remain at promotional APR until 01/31/2028. Balance transfer offer applies to balance transfer(s) that posts to your account by 10/31/2026; subject to available credit. Cardholders are responsible for making payments to other accounts until the balance transfer transaction is completed. Balance transfer may not be used to pay any Fox accounts. After the promo period, any unpaid balance will return to your standard balance transfer/cash advance variable APR dependent on the credit card product chosen. Fox Best Rate standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 5.49% to 13.49% for cash advances and balance transfers; or Prime plus a margin of 3.49% to 11.49% for purchases. Fox Cash Back standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 10.49% to 18.49% for cash advances and balance transfers, or Prime plus a margin of 8.49% to 16.49% for purchases. APR is based on creditworthiness at the time the account is established. The variable card APR will never be more than 27%. Interest begins accruing as of the balance transfer/cash advance date and is calculated using the average daily balance. No balance transfer/cash advance fee. Minimum interest charge $1. Fee for foreign transactions is 1% of each transaction in U.S. dollars. Promotional offer, rates, terms and conditions are subject to change without notice. Not available on Fox Secured, Fox First Rate or Fox Business Cash Back card. For additional information contact Fox or see the enclosed Important Credit Card Disclosures for complete details and applicable fees. Loan subject to credit approval and membership eligibility.FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsPurchase · IntroductoryIntro 0% Annual Percentage Rate (APR) on purchases for six months from the account opening date to new approved credit cards. Thereafter, any unpaid balance will return to your standard variable APR dependent on the credit card product chosen. Fox Best Rate standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 3.49% to 11.49% for purchases; or Prime plus a margin 5.49% to 13.49% for cash advances and balance transfers. Fox Cash Back standard variable APR rate based on the Prime Rate (currently 7.00% as of 9/16/2026), plus a margin of 8.49% to 16.49% for purchases; or Prime plus a margin 10.49% to 18.49% for cash advances and balance transfers. Balance transfer subject to available credit. APR is based on creditworthiness at the time the account is established. Rewards do not apply to cash advance/balance transfers. The APR may increase or decrease as identified by the Wall Street Journal “Prime Rate”. The interest rate can change monthly on the first day of each month following a change in the Prime Rate. The APR will never be more than 27%. Any increase will lengthen the time it takes to pay off your loan. No annual membership fee, cash advance or balance transfer fee. Minimum interest charge $1. A foreign transaction fee is 1% of each transaction in U.S. dollars. Promotional offer, rates, terms and conditions are subject to change without notice. For additional information, contact Fox or see Important Credit Card Disclosures for complete details and applicable fees. Loan subject to credit approval and membership eligibility.FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Cash signup bonus$100 cash award. After $1,000 in qualifying purchases. Purchases must qualify within 90 days of account opening. Payment timing is not disclosed. Bonus Cash Back Rewards Offer: You qualify when you use your new credit card account to make any combination of eligible purchase transactions totaling at least $1,000 (excluding any fees) that post and settle to your account within 90 days of account opening; earn $100 in cash back rewards (10,000 bonus points) on the Fox Cash Back Card, or (11,112 bonus points) on the Fox Best Rate Card. Returns, credits, and adjustments to the selected card will be deducted from the purchases ("net purchases"), even if this was the original form of payment used. Rewards are not earned on pending transactions, cash advances, balance transfers, lost, stolen, cancelled or fraudulent purchases or fees of any kind; additional exclusions may apply. Bonus points will be credited to the account 120 business days after account opening, provided promotional criteria is met. Your account must be open and not in default in order for points to be posted to your rewards balance. Limit of one promotional offer per new account. Offer not valid on other credit card products. Fox reserves the right to modify or end this offer at any time without notice.FOX COMMUNITIES · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website