The Colony Bank is a personal credit card from Colony Bank. The annual fee is No annual fee. The ongoing APR is 14.49% to 23.49% variable, based on creditworthiness at account opening; varies with the Prime Rate (disclosure effective 12/15/2025) after a 9.49% introductory APR on balance transfers for 6 billing cycles (disclosure effective 12/15/2025) introductory rate. Signup bonus: Spend $1,500 during the first 90 days and earn a bonus of 10,000 points.. Rewards: 1 point per dollar on all qualifying purchases, redeemable for travel, merchandise and gift cards. This product reports activity to your personal credit report.