The Atkins Savings Bank & Trust is a personal credit card from Atkins Savings Bank & Trust. The annual fee is $0. The ongoing APR is 15.99% for purchases, balance transfers and cash advances (disclosure accurate as of December 11, 2025) after a No introductory APR introductory rate. Rewards: 1 point for every dollar spent on all transactions. Loan terms: Revolving; minimum payment is the greater of 3% of the New Balance or $20.00 (New Balance of $20.00 or less is due in full); due date at least 25 days after the close of each billing cycle.