The First State Bank is a personal credit card from First State Bank. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. Signup bonus: 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened. Rewards: 5x points per $1 spent on travel, 3x points per $1 spent on streaming services, 2x points per $1 spent on fuel purchases, 1x point per $1 spent on all other purchases. This product reports activity to your personal credit report.