The Native American Bank is a personal credit card from Native American Bank. Application typically pulls a hard report from Experian. The annual fee is $0 intro fee for the first year, after that, $20, waived if annual net spend for the preceding 12 months is $15,000.00 or greater. The ongoing APR is 17.99% to 24.99% variable, based on creditworthiness (disclosure accurate as of October 16, 2026) after a 0% Introductory APR on purchases and balance transfers introductory rate for 12 months. Signup bonus: Get $50 with $500 spend in first 60 days. Rewards: Unlimited 2% cash back on travel, hotels, car rentals, and restaurants; 1% cash back on all other purchases.