The United Community Bank is a personal credit card from United Community Bank. The annual fee is No annual fee. The ongoing APR is 12.74% - 20.24% 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 11 billing cycles on purchases and balance transfers introductory rate.