The INTRUST Bank is a personal credit card from INTRUST Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.99% to 28.24% variable, based on the Prime Rate and your creditworthiness (route page checked 2026-10-14; page shows no document date) after a 0% introductory APR for the first 12 billing cycles on purchases and balance transfers introductory rate. Signup bonus: 15,000 points when you spend $500 within the first 90 days. Rewards: 4X points on dining, takeout and restaurant delivery on first $2,000 each quarter; 2X points at grocery stores, gas stations and EV charging stations, and eligible streaming services; 1X on all other eligible purchases. Cash back: $250 cash back. This product reports activity to your personal credit report.