The WebBank is a personal credit card from WebBank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 28.24% - 33.24% Variable. Approval typically requires a credit score of 0 or higher. Signup bonus: no sign-up bonus. Rewards: 1% – 10% cash back at select national merchants. Cash back: 1% – 10% at select national merchants. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. No credit history needed. Uses bank account cash flow data for underwriting. Accepts ITIN. 2-10% cash back at select merchants. No annual fee. No deposit required.