The Community Bank is a personal credit card from Community Bank. Application typically pulls a hard report from TransUnion. The annual fee is $390. 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. (APR for purchases; terms accurate as of 10/2026). Signup bonus: Enjoy premium rewards and benefits, plus receive 50,000 bonus points. Earn 50,000 bonus points (worth up to $500). Rewards: Enjoy premium rewards and benefits, plus receive 50,000 bonus points. Earn 50,000 bonus points (worth up to $500) When you spend $4,500 within the first 90 days 6X points On prepaid travel booked directly in the Travel Center when you use your card 2X points On all other eligible purchases Airport Lounge Access Complimentary Priority Pass™ Select Membership that gives access to more than 1,700 VIP lounges and experiences worldwide.