College Real Rewards Card — Bank of Tennessee is a personal credit card from Bank of Tennessee. The ongoing APR is Intro APR * for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account. Platinum Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account.. Rewards: Earn 1.5 points for every $1 you spend on eligible purchases 13 and work towards building a strong financial future 12 Get 2,500 bonus points (worth.