The First Bank is a personal credit card from First Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 25.49% variable (route page, undated) after a 0% intro APR on purchases for 12 months; 0% on balance transfers for the first 12 billing cycles for balances transferred within 60 days of account opening introductory rate for 12 months. Rewards: 3X points per dollar at gas stations, grocery stores, discount stores, restaurants and fast food; 1X point per dollar on all other purchases. This product reports activity to your personal credit report.