The Perpay is a personal credit card from Perpay. The annual fee is None (but $9 monthly account servicing fee). The ongoing APR is 27.74% to 29.99%. Rewards: 2% rewards on purchases (credit to Perpay Marketplace). No hard credit check to apply. Reports to credit bureaus. No balance transfers or cash advances.. Cash back: 2% rewards on every payment. Typical credit limit: $300 to $1,500. This product reports activity to your personal credit report. Pre-qualification with no hard credit check. Requires recurring direct deposit. 2% rewards (credit to Perpay Marketplace). $9/month account servicing fee. No balance transfers or cash advances. Reports to major credit bureaus. Must maintain direct deposit to keep card active. Issued by Celtic Bank.