The Deerwood Bank is a personal credit card from Deerwood Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% to 28.24% variable. Signup bonus: Earn 25,000 points (worth up to $250) when you spend $2,000 within the first 120 days. Rewards: 4X points on eligible travel, gas stations and EV charging stations, entertainment, and recreation purchases; 1.5X 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.