The Colony Bank is a personal credit card from Colony Bank. The annual fee is $95. The ongoing APR is 12.49% variable, Prime Rate + 5.74% margin (rate sheet effective 12/15/2025) after a 9.49% introductory APR on balance transfers for 6 billing cycles (rate sheet effective 12/15/2025) introductory rate. Signup bonus: Spend $5,000 during the first 90 days and earn a bonus of 50,000 points.. Rewards: 1.50 points on qualifying purchases, redeemable for cash, travel, merchandise & gift cards. This product reports activity to your personal credit report.