The Bangor Savings Bank is a personal credit card from Bangor Savings Bank. The annual fee is $0. The ongoing APR is 19.24% to 27.24% variable (rates and fees document last updated July 7, 2026; Prime 6.75% as of Jan 10, 2026). Rewards: 1 point per $1 on all purchases plus 1 additional point on local purchases, up to 2% cash back (local = merchant Card Acceptor ID registered in NH or ME); redeem for travel, merchandise, gift cards, statement credit or deposit. Cash back: 1% cash back when you make any purchase + 1% additional cash back when you buy locally.. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.