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: 4X points on dining, takeout and restaurant delivery on first $2,000 each quarter; 2X at grocery stores, gas and EV charging stations and eligible streaming; 1X other; 15,000 points when you spend $500 within 90 days.