The WebBank is a personal credit card from WebBank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 28.24% to 30.24% variable (accurate as of 1/5/2026). Approval typically requires a credit score of Fair (580+) or higher. Rewards: 1% to 1.5% cash back on everyday purchases; 1% to 10% cash back at select national merchants. This product reports activity to your personal credit report. Pre-qualification available (soft pull). BT Fee: Not a prominent feature / not emphasized. Post-intro APR: ~ 28.99% – 30.99% variable (for Petal 2)