The Deerwood Bank is a personal credit card from Deerwood Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.99% to 28.24% variable after a 0% introductory APR for the first 12 billing cycles on purchases; 0% introductory APR for the first 12 billing cycles on balances transferred within 366 days from account opening introductory rate for 12 months. Signup bonus: Earn 15,000 points (worth up to $150) when you spend $500 within the first 90 days. Rewards: 4X points on dining, takeout and restaurant delivery on the first $2,000 each quarter; 2X points at grocery stores, gas stations and EV charging stations, and eligible streaming services; 1X points on all other eligible purchases. Loan terms: Revolving personal credit card; due date 24 - 30 days after the close of each billing cycle; no interest on new purchases if the entire balance is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date. This product reports activity to your personal credit report.