The First Port City Bank is a business credit card from First Port City Bank. The annual fee is No annual fee. The ongoing APR is 20.24% variable (disclosure effective February 10, 2026) after a 0% introductory APR for the first 6 billing cycles on purchases, balance transfers and cash advances introductory rate. Rewards: Everywhere Rewards Payback: 1 point = $1 spent; redeem for cash back, fuel discounts and other rewards.