The IBC Bank is a personal credit card from IBC Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.99% to 28.99% variable, based on creditworthiness (Summary of Credit Terms; Prime 6.75% as of 08/31/2026) after a 0.00% introductory APR on purchases and balance transfers introductory rate. Rewards: Unlimited 1.5% cash back on every purchase.