The Friend Bank is a personal credit card from Friend Bank. The annual fee is $0. The ongoing APR is After the intro APR, 16.75% for purchases and balance transfers; 16.75% for cash advances; Prime Rate + 10.00%, varies with the market (pricing information as of December 11, 2025, when Prime was 6.75%) after a 0% introductory APR for 7 billing cycles on purchases and balance transfers introductory rate.