The City First Bank, N.A. is a personal credit card from City First Bank, N.A.. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 17.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a 0% introductory APR for the first 21 billing cycles introductory rate. Rewards: 4% cash back on prepaid travel booked directly in the Travel Center when you use your card.