The Blue Ridge Bank is a personal credit card from Blue Ridge Bank. Application typically pulls a hard report from TransUnion. The annual fee is No Annual Fee. The ongoing APR is 19.99% to 27.99% variable after a 0% on purchases for 12 months introductory rate. Signup bonus: 30,000 points when you spend $3,000 in the first 90 days; plus a $25 credit when you sign up for a streaming service. Rewards: 1 point per dollar on most purchases; 2 points on gas, travel and utilities; 4 points on dining (page's rewards terms list gas, utilities and groceries for the 2x tier, an inconsistency in the page).