The Vallant Bank is a personal credit card from Vallant Bank. The ongoing APR is Prime + 9.74% to Prime + 15.74% variable, based on creditworthiness; the APR will not exceed 23.99% after a 0% intro APR on balance transfers for the first 12 months from date of first transfer (transfers completed within 60 days of account opening) introductory rate. Signup bonus: $50 cash back bonus once you spend $1,000 in the first three months. Rewards: Unlimited 1% cash back on every dollar spent; redeem for direct deposit to a checking account or statement credit.