The Basile State Bank is a personal credit card from Basile State Bank. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026). Signup bonus: Earn 25,000 points (worth up to $250) when you spend $2,000 within the first 120 days. Rewards: 4X points on eligible travel, gas stations and EV charging stations, entertainment, and recreation purchases; 1.5X points on all other eligible purchases.