The Arbor Bank is a personal credit card from Arbor Bank. Application typically pulls a hard report from Experian. The annual fee is $0 for the first year, then $20, waived based on spend. The ongoing APR is 17.99% to 24.99% variable, based on creditworthiness (disclosure dated Oct 14, 2026) after a 0.00% introductory APR on purchases and balance transfers introductory rate for 12 months. Signup bonus: $50 with $500 spend in first 60 days. Rewards: Unlimited 2% cash back on travel, hotels, car rentals and restaurants; 1% cash back on all other purchases.