Everyday Rewards+ Card — First Central Savings Bank is a personal credit card from First Central Savings Bank. The annual fee is None. The ongoing APR is Intro APR * for Purchases and Balance Transfers: 0% introductory APR for the first 12 billing cycles. After that, 17.99% to 28.24% based on your creditworthiness. Rewards: Earn up to 4X points AND receive 15,000 bonus points 4X points 1 On dining, take-out & restaurant delivery ^ 2X points At grocery stores,** gas stations and EV charging stations,** and eligible streaming services Earn 15,000 points (worth up to $150 3 ) When you spend $500 within the first 90 days 2.