The Arbor Bank is a personal credit card from Arbor Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% to 26.74% 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. Rewards: Unlimited 1x point on every net dollar spent.