
THE HEAT
UP TO 3% CASH BACK
$200 CASH BONUS
0% INTRO APR FOR 12 MONTHS
NO ANNUAL
FEE
THE HEAT
UP TO 3% CASH BACK
$200 CASH BONUS
0% INTRO APR FOR 12 MONTHS
NO ANNUAL
FEE
*New cardholders only. Subject to credit approval. APR is Annual Percentage Rate. Introductory Rate of 0% APR applies on purchases for 12 months from date of account opening. After that, the standard variable APR for purchases will be applied. As of May 15, 2023, the standard variable APR is 16.24%-18.00%, based on your creditworthiness. $200 cash bonus will be awarded as 20,000 bonus points to cardholders who make at least $1,000 in purchases in the first 90 days. 3% cash back requires point redemption for a new credit union loan product. See https://www.y12fcu.org/loyalty-rewards/ for details. 0% offer and 20,000 bonus points do not apply to existing accounts.