The Woodlands Bank is a personal credit card from Woodlands Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% - 26.99% variable (rates accurate as of January 29, 2026) after a 0% introductory APR on purchases and balance transfers introductory rate for 12 months. Rewards: Unlimited 1% cash back on every purchase.