The Ballston Spa National Bank is a personal credit card from Ballston Spa National Bank. 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 of your choice – first $2,000 in combined purchases each quarter; 2% unlimited cash back on one everyday category of your choice; 1% unlimited cash back on all other eligible purchases; $150 bonus awarded when you spend $500 within the first 90 days.