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. Signup bonus: Earn 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened. Rewards: 5x points per $1 spent on travel purchases; 3x points per $1 spent on streaming services; 2x points per $1 spent on fuel purchases; 1x point per $1 spent on all other purchases. Redeem for cash back, gift cards, travel, or merchandise.