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: $150 bonus awarded when you spend $500 within the first 90 days. Rewards: 5% cash back in two categories of your choice on the first $2,000 in combined purchases each quarter; 2% unlimited cash back in one everyday category of your choice; 1% unlimited cash back on all other eligible purchases. Cash back: 5% cash back in two categories of your choice – first $2,000 in combined purchases each quarter. 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.