The Capital City Bank is a personal credit card from Capital City Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a No introductory APR introductory rate. Signup bonus: 25,000 points (worth up to $250) when you spend $2,000 within the first 120 days. Rewards: 4X points on eligible travel, gas stations and EV charging stations (excludes discount stores/supercenters and wholesale clubs), entertainment and recreation purchases; 1.5X points on all other eligible purchases; complimentary Priority Pass Select membership (access to more than 1,700 lounges). Loan terms: Revolving credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; optional Card ExtendPay fixed-payment plans.