The Arbor Bank is a personal credit card from Arbor Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 16.49% - 22.49% variable APR (after intro) after a 0% introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Signup bonus: 30,000 bonus points with $2,500 spend in first 90 days. Rewards: Unlimited 1.5x points on every net dollar spent.