The Nicolet National Bank is a personal credit card from Nicolet National Bank. The annual fee is $50. The ongoing APR is Prime + 6.9% to Prime + 18.9% after a 0% intro APR on purchases and balance transfers for 7 billing cycles introductory rate for 7 months. Signup bonus: 15,000 points when $3,000 or more is spent in the first 3 billing cycles; 5,000 bonus points for spending $12,000 or more in a year. Rewards: 2% points on gas and restaurant purchases; 1% points on all other qualifying purchases. Loan terms: Revolving credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the full balance is paid by the due date. This product reports activity to your personal credit report.