The Forcht Bank is a personal credit card from Forcht Bank. The annual fee is No Fee. The ongoing APR is Variable APR 21.00% to 25.00%, based on creditworthiness (rates effective 9/17/2026) after a No intro APR introductory rate. Rewards: uChoose Rewards: spend $1 = 1.5 rewards points at book stores, school supplies, school expenses and sporting events; spend $2 = 1 reward point on all other purchases; perks including gift cards, restaurants, cashback, and more. This product reports activity to your personal credit report.