The Availa Bank is a personal credit card from Availa 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 (after intro), varies with the Prime Rate 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 12 billing cycles (purchases up to $20,000), then 1.5% cash back on all purchases; 5% cash back on prepaid hotel and car reservations booked directly in the Travel Center.