The Liberty Bank is a personal credit card from Liberty Bank. The annual fee is $35. The ongoing APR is Variable APR based on Prime Rate after a 0% intro APR on purchases and balance transfers for the first 7 billing cycles after account opening introductory rate for 7 months. Rewards: Earn a full 1% on groceries, gas, online purchases and everything else you buy.. Cash back: Cash back is earned up to your first $60,000 in annual spending.. This product reports activity to your personal credit report.