The Bank of the Sierra is a personal credit card from Bank of the Sierra. The annual fee is No annual fee. The ongoing APR is 17.99% to 28.24% after a 0% introductory APR for the first 12 billing cycles introductory rate for 12 months. Rewards: 5% cash back in two categories you choose on first $2,000 combined each quarter; 2% on one everyday category; 1% other; $150 bonus after $500 in 90 days.