The Henderson Bancshares, Inc. is a business credit card from Henderson Bancshares, Inc.. The ongoing APR is 0% intro APR on purchases and balance transfers for first 7 billing cycles. Rewards: 1% cash back. A Troy Bank & Trust credit card offers instant credit and cash advances at thousands of locations around the world. Choose the 1% Cash Back Platinum Rewards card with an annual fee or the no fee Platinum Benefits Card. Enjoy 0% Annual Percentage Rate on purchase and balance transfers on both for the first 7 billing cycles.