Travel Rewards+ Card — Regent Bank is a personal credit card from Regent Bank. The annual fee is $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is APR for Purchases and Balance Transfers: 19.24% to 28.24% based on your creditworthiness when you open your account.. Rewards: Earn 4X points on eligible travel and more, plus receive 25,000 bonus points 4X points 7 On eligible travel, gas stations and EV charging stations, *.