The United Community Bank is a personal credit card from United Community Bank. The annual fee is No annual fee. The ongoing APR is 15.74% - 20.74% Variable Purchase APR after the introductory period; APRs vary with the market based on the Prime Rate; APR for cash advances 22.49% after a 0% Introductory APR for the first 7 billing cycles on purchases and balance transfers introductory rate. Signup bonus: 15,000 bonus points after you spend $3,000 on purchases in the first 90 days from account opening. Rewards: Earn 1.5% on every purchase, redeemable for gift cards, merchandise, travel, or cash back credit.