The Banterra Bank is a personal credit card from Banterra Bank. 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 12 billing cycles on purchases up to $20,000; 1.5% cash back on all purchases after the introductory period; 5% cash back on prepaid hotel and car reservations booked directly in the Travel Center when you use your card.