The American Plus Bank is a personal credit card from American Plus Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.49% to 22.49% variable, based on creditworthiness (disclosure dated Oct 14, 2026). Signup bonus: 30,000 bonus points with $2,500 spend in first 90 days. Rewards: Unlimited 1.5x points on every net dollar spent.