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 18.24% to 28.24% after a 0% introductory APR for the first 12 billing cycles introductory rate for 12 months. Rewards: 3% cash back on all purchases for the first 12 billing cycles up to $20,000, then 1.5% cash back; 5% on prepaid hotel and car reservations in the Travel Center.