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); cash advance 32.24% variable. Signup bonus: Up to 40,000 Avios: 20,000 Avios after the first transaction and 20,000 Avios after spending $3,000 in the first 90 days. Rewards: You will earn redeemable miles in the form of Avios on Eligible Purchases of products and services, minus returns, refunds or disputed charges, made with your Qatar Airways Privilege Club Visa Signature Credit Card.. 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; interest on cash advances from the posting 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 Avios on Qatar Airways, 2x on dining/groceries, 1x everything else. No foreign transaction fee. Complimentary Privilege Club Silver status. Issued by First Electronic Bank via Cardless.