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. Signup bonus: 40,000 LATAM Pass Miles after spending $2,500 in the first three months. Rewards: 4x LATAM Airlines purchases; 3x restaurants; 3x rideshare, taxis and public transit; 1x everything else. 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.. [SOFT PULL ONLY] | 3x LATAM Pass miles on LATAM flights, 2x on dining, 1x everything else. First checked bag free. Priority boarding. Issued by First Electronic Bank via Cardless. | EXPERT REFERENCE (Apr 2026): Rakuten American Express Card approved for $6,000. | EXPERT REFERENCE (Apr 2026): Rakuten American Express Card approved for $6,500 with TransUnion pull. | EXPERT REFERENCE (Apr 2026): Booking.com Genius Rewards Visa Signature Card approved for $500. | EXPERT REFERENCE (Apr 2026): Brooks Brothers World Mastercard approved for $22,500 with TransUnion pull. | EXPERT REFERENCE (Apr 2026): H-E-B Visa Signature Card approved for $6,000. | EXPERT REFERENCE (Apr 2026): H-E-B Visa Signature Card credit limit increased from $2,000 to $8,500. | EXPERT REFERENCE (Apr 2026): Turkish Airlines Miles & Smiles Premier Visa Signature Card approved for $10,500 with TransUnion pull. | EXPERT REFERENCE (Apr 2026): Turkish Airlines Miles & Smiles Premier Visa Signature Card approved for $6,000. | EXPERT REFERENCE (Jan 2026): Soft pull to see an actual offer | EXPERT REFERENCE (Jan 2026): No income docs required upfront | EXPERT REFERENCE (Jan 2026): High starting limits being reported | EXPERT REFERENCE (Jan 2026): No annual fee | EXPERT REFERENCE (Jan 2026): Imprint typically pulls TransUnion | EXPERT REFERENCE (Aug 2025): The Rakuten Amex Card offers 4% back on all purchases made through Rakuten’s website, app, or in-store offers up to $7,000/year. | EXPERT REFERENCE (Aug 2025): The card provides 10% back at Rakuten Dining partners (5% from the app + 5% from the card). | EXPERT REFERENCE (Aug 2025): Offers 2% back at grocery stores and non-Rakuten restaurants, uncapped. | EXPERT REFERENCE (Aug 2025): Provides 1% back on all other purchases. | EXPERT REFERENCE (Aug 2025): No annual fee. | EXPERT REFERENCE (Aug 2025): Allows conversion of cash back into Membership Rewards points if linked to a Membership Rewards-earning Amex account. | EXPERT REFERENCE (Aug 2025): Managed by Imprint, not American Express, and does not appear in the Amex app or portal.