The Bank of the Sierra is a personal credit card from Bank of the Sierra. The annual fee is $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% to 28.24%. Rewards: 4X points on eligible travel, gas and EV charging, entertainment and recreation; 1.5X other; 25,000 points after $2,000 in 120 days.