The Arrow Bank National Association Fair Credit is a personal credit card from Arrow Bank National Association. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is U.S. Prime Rate (The Wall Street Journal) + a margin of 12.24% to 22.24%, variable, based on creditworthiness (purchases and balance transfers) after a 0% introductory APR on purchases and balance transfers introductory rate for 12 months. Signup bonus: Earn 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened.. Rewards: Unlimited 1.5% cash back; redeem for cash back, gift cards, travel, or merchandise. Cash back: 1.5% Cash Back. Typical credit limit: $300 - $5,000. This product reports activity to your personal credit report.