The First Electronic Bank is a personal credit card from First Electronic Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 19.99% - 34.24% APR for purchases, based on your creditworthiness and other factors; varies with the market based on the Prime Rate (Prime Rate plus a margin of 12.99% - 27.24%) (agreement effective September 18, 2026). Approval typically requires a credit score of Recommended credit score: Fair - Good (620 - 720) or higher. Rewards: Fetch Points: 10 points per dollar on Grocery and Retail; 5 points per dollar on all other purchases (merchant category by MCC); points redeemable for gift cards, charitable donations, sweepstakes entries and Fetch merchandise; requires an active linked Fetch account; Fetch VIP (purchase in last 30 days): 30 points per receipt scan, 100 per offer redemption, 200 per Fetch Play task, 200 per Fetch Shop order. Loan terms: Revolving personal credit card; due date at least 21 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; minimum interest charge $1.00; minimum payment is the larger of $25 or 1% of the new balance plus billed interest and late/returned payment fees; no prepayment penalty.