The HomeTown Bank is a personal credit card from HomeTown 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) after a 0.00% introductory APR on purchases and balance transfers introductory rate for 12 months. Signup bonus: 30,000 bonus points with $2,500 spend in the first 90 days. Rewards: Unlimited 1.5x points per dollar on all net purchases.