The WebBank is a personal credit card from WebBank. Application typically pulls a hard report from Experian. The annual fee is $0 — no annual fee. The ongoing APR is 15.99% or 18.99% after a 5.99%, 7.99%, 14.49% or 21.99% depending on creditworthiness introductory rate for 24 months. Approval typically requires a credit score of Fair to Excellent or higher. Rewards: 0.0. Cash back: 1% – 5%. This product reports activity to your personal credit report. Pre-qualification available (soft pull)