The Cape & Coast Bank is a personal credit card from Cape & Coast Bank. Application typically pulls a hard report from Experian. The annual fee is $0 intro fee for the first year, after that $20, waived based on spend. The ongoing APR is 17.99% to 24.99% variable, based on creditworthiness; varies with the market based on the Prime Rate (disclosure accurate as of October 14, 2026) after a 0% introductory APR on purchases and balance transfers for twelve billing cycles from date of account opening introductory rate for 12 months. Signup bonus: $50 with $500 spend in the first 60 days. Rewards: Unlimited 2% cash back on travel, hotels, car rentals and restaurants; 1% cash back on all other purchases; cell phone protection (up to $200 per claim or $400 per 12-month period, $50 deductible); travel accident insurance up to $1,000,000; Visa Signature Concierge and Luxury Hotel Collection. Loan terms: Revolving credit card; due date at least 23 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month.