The CCFBank Fair Credit is a personal credit card from CCFBank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 18.24% to 28.24% variable, based on the Prime Rate (terms accurate as of 10/2026) after a 0% intro APR for the first 12 billing cycles on purchases, and on balance transfers made within 366 days of account opening (terms accurate as of 10/2026) introductory rate for 12 months. Approval typically requires a credit score of 650 or higher. Signup bonus: $25 cash back awarded after your first purchase. Rewards: 3% cash back on all purchases for the first 12 billing cycles (up to $20,000), then 1.5% cash back; 5% cash back on prepaid hotel and car reservations booked in the Travel Center. Cash back: 1%. Typical credit limit: $1,000-$25,000. This product reports activity to your personal credit report.