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 23.24% - 33.24% 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 16.24% - 26.24%) (agreement effective September 18, 2026). Signup bonus: $150 in Travel Credits after spending $1,500 on your card in the first 90 days. Rewards: Booking.com Travel Credits ($1 in Travel Credits = $1 on eligible Booking.com stays, flights, car rentals, airport taxis and attractions): 6% on stays booked in the Booking.com app; 5% on flights, stays, car rentals, attractions, cruises and airport taxis on Booking.com; 3% on everything purchased at your destination during a stay booked on Booking.com; 3% on dining, gas and groceries; 2% on everything else; $100 in Travel Credits each year when you spend $15,000 or more; Genius Level 3 status (10-20% off select stays, 10-15% off select rental cars, priority support). 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 (never more than the new balance).