The Vallant Bank is a personal credit card from Vallant Bank. The ongoing APR is Prime + 5.74% to Prime + 13.74% variable, based on creditworthiness; the APR will not exceed 23.99% after a 0% intro APR on purchases for the first 6 months and 0% intro APR on balance transfers for 12 months from date of first transfer (transfers completed within 60 days of account opening) introductory rate.