The First Exchange Bank is a personal credit card from First Exchange Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% - 26.74% variable APR after a 0% Introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Rewards: Unlimited 1x point on every net dollar spent. This product reports activity to your personal credit report.