World Mastercard® — Pinnacle Bank is a personal credit card from Pinnacle Bank. The annual fee is No annual fee*. Signup bonus: One-time signup bonus of $100 cash back after spending $3,000 in the first 3 months after card opening.. Rewards: Earn cash back: 2% cash back on travel & dining, 1% cash back everywhere else, additional 1% cash back at local merchants. This product reports activity to your personal credit report.