The River Bank & Trust is a personal credit card from River Bank & Trust. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is After that, a variable APR based on the Prime Rate, between 18.99% and 28.99% APR after a 0% introductory APR on purchases and balance transfers introductory rate. Rewards: Unlimited 1.5% cash back; redeem rewards your way: cash back, gift cards, travel, or merchandise.