The BAC Community Bank is a personal credit card from BAC Community Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 17.74% - 26.99% variable APR (after intro) after a 0% Introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Rewards: Unlimited 1% cash back on every purchase, every day.