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. Rewards: 1% cash back on all qualifying purchases. Cash back: Earn 1% cash back on all qualifying purchases.. This product reports activity to your personal credit report.