The Bank of Clarke Fair Credit is a personal credit card from Bank of Clarke. The annual fee is No annual fee. The ongoing APR is 16.49% to 22.49% variable, based on creditworthiness after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 650 or higher. Signup bonus: One-time $50 cash back bonus when you spend $1,000 within the first 3 months after your account is opened. Rewards: 1% cash back for every dollar spent. Cash back: 1%. Typical credit limit: $1,000-$25,000. This product reports activity to your personal credit report.