Classic Credit Card — Nicolet National Bank is a personal credit card from Nicolet National Bank. The annual fee is $0. The ongoing APR is Prime + 4.9% to Prime + 16.9% after a 0% intro APR on purchases and balance transfers for 7 billing cycles introductory rate for 7 months. Rewards: Cash Back. Loan terms: Revolving credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the full balance is paid by the due date. This product reports activity to your personal credit report. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).