The First Electronic Bank is a personal credit card from First Electronic Bank. Application typically pulls a hard report from Experian. The annual fee is $99. The ongoing APR is 19.49% to 29.49% variable after opening, based on creditworthiness (Prime + 12.74% to Prime + 22.74%; disclosure accurate as of March 9, 2026). Signup bonus: 40,000 bonus miles after spending $3,000 on eligible purchases in the first 90 days from account opening. Rewards: 1 mile per $1 on eligible purchases; 2 miles per $1 at restaurants, groceries and supermarkets; 2 miles per $1 on purchases made directly with LifeMiles or Avianca airlines; miles do not expire while the card is used; LifeMiles Silver status. Loan terms: Revolving personal credit card; due date at least 21 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; no minimum interest charge; average daily balance method. This product reports activity to your personal credit report. Application rules: Family Rules: Only 1 card per family (LATAM, Qatar, etc.) at a time. 60-day velocity: Only 1 approval per 60 days. Must wait 45 days after decline before reapplying.. Earn LifeMiles on every purchase. No annual fee. No foreign transaction fee. Issued by First Electronic Bank via Cardless platform. American Express network.