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 $249. 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: Up to 100,000 bonus miles: 60,000 after spending $4,500 on eligible purchases in the first 90 days, plus 40,000 after spending $25,000 in the first 365 days from account opening. Rewards: 1 mile per $1 on eligible purchases; 2 miles per $1 at restaurants; 2 miles per $1 on travel (railways, cruise lines, airlines other than Avianca/LifeMiles, hotels, car rental, taxi and similar); 3 miles per $1 on purchases made directly with LifeMiles or Avianca; double miles on first 1,000 miles per statement cycle with complimentary LifeMiles+ Lite. 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 at a time. 60-day velocity limit. Must wait 45 days after decline.. 3x LifeMiles on Avianca flights, 2x on dining/groceries, 1x everything else. Free checked bag. Priority check-in. $150 annual fee. American Express network. Issued by First Electronic Bank.