¹1.99% intro APR is the rate for six months on balances transferred from another financial institution within the first 60 days of account opening, and there is no transfer fee. After that, the APR will be the same as the current purchase rate of 8.99% to 17.99%.

²The cash bonus is calculated based on purchases made with your Stanford FCU credit card, minus any credits and returns, and excluding cash advances and balance transfers. You must be an Ambassador at the time the cash bonus is paid at the beginning of each month. Cash bonus is capped at $25 per month and $300 per year, and deposited into the member’s checking or savings account. Any taxes due on the bonus deposit are the sole responsibility of the recipient. The bonus is discretionary and subject to change without notice.