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 17.99% 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. after a 0% introductory APR for the first 12 billing cycles introductory rate. Signup bonus: $150 bonus awarded when you spend $500 within the first 90 days. Rewards: 5% cash back in two categories of your choice, first $2,000 in combined purchases each quarter; 2% unlimited cash back on one everyday category of your choice; 1% unlimited cash back on all other eligible purchases.