The BANKPLUS is a personal credit card from BANKPLUS. The annual fee is Annual Fee NONE. The ongoing APR is 18.40% for purchases (APR will vary based on the Prime Rate; information accurate as of 1/26/26) after a 0.00% introductory APR for 3 billing cycles on Balance Transfers completed within 3 months of account opening (balance transfers only) introductory rate. Signup bonus: New Rewards Cardholders can earn 10,000 bonus points by spending $5,000 within the first 90 days. Rewards: Earn 1.5 points for every dollar spent on eligible purchases through uChoose Rewards, plus bonus points at participating retailers; redeem for cash back, travel, merchandise, gift cards.