The Bank of Oak Ridge is a personal credit card from Bank of Oak Ridge. Application typically pulls a hard report from Experian. The annual fee is $0.00. The ongoing APR is 17.74% - 26.99% variable APR after a 0% Introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Rewards: Earn unlimited 1% cash back on every purchase.