The 21st Century Bank is a personal credit card from 21st Century Bank. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 18.24% to 28.24% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles on purchases and balance transfers introductory rate. Rewards: 3% cash back on all purchases for the first 12 billing cycles (on purchases up to $20,000), then 1.5% cash back; 5% cash back on prepaid hotel and car reservations booked directly in the Travel Center.