The Community Bank is a personal credit card from Community Bank. The annual fee is No annual fee.. The ongoing APR is Competitive ongoing APR. after a Low introductory rate for first six months. introductory rate for 6 months. Rewards: Earn one point for each dollar spent, up to 10,000 points per month. Redeem points for cash-back awards, retail gift cards, travel and merchandise.. Cash back: Redeem your rewards points for cash-back awards.. This product reports activity to your personal credit report.