The International Bank of Commerce (IBC Bank) is a personal credit card from International Bank of Commerce (IBC Bank). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is U.S. Prime Rate (The Wall Street Journal) + a margin of 12.24% to 22.24%, variable, based on creditworthiness (purchases and balance transfers). Signup bonus: Earn 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened.. Rewards: 5x points per $1 spent on travel purchases; 3x points per $1 on streaming services; 2x points per $1 on fuel purchases; 1x point per $1 on all other purchases; redeem for cash back, gift cards, travel, or merchandise. This product reports activity to your personal credit report.