The First Reliance Bank is a personal credit card from First Reliance Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is Variable, based on the Wall Street Prime Rate (currently 16.75% APR) after a 0% APR on purchases and balance transfers for the first 7 billing cycles if paid in full introductory rate for 7 months. Rewards: 1% on all qualifying purchases with no cap. Cash back: 1% on all qualifying purchases with no cap. This product reports activity to your personal credit report.