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 No annual fee. The ongoing APR is 17.99% 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 0% introductory APR on purchases for the first 12 billing cycles; 0% introductory APR on balance transfers for the first 12 billing cycles for balances transferred within 366 days from account opening introductory rate. Signup bonus: $150 bonus when you spend $500 within the first 90 days. Rewards: 5% cash back in two categories of your choice (first $2,000 in combined purchases each quarter); 2% unlimited cash back on one everyday category of your choice; 1% unlimited cash back on all other eligible purchases. 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.