The Vallant Bank is a personal credit card from Vallant Bank. Application typically pulls a hard report from Experian. The annual fee is $0 for the first year, then $95. The ongoing APR is 16.49% to 23.49% when you open your account, based on your creditworthiness.. Signup bonus: $500 cash back bonus once you spend $5,000 on purchases within the first 90 days of account opening.. Rewards: Earn unlimited cash back with no minimum redemption amount. Earn 3% cash back on every dollar spent on travel and dining, 2% on gasoline and 1% on everything else.. Cash back: $500 cash back bonus once you spend $5,000 on purchases within the first 90 days of account opening.. This product reports activity to your personal credit report.