The First Port City Bank is a business credit card from First Port City Bank. The annual fee is $29.00 per card. 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 World Elite: 1 point = $1 spent; redeem for gift cards, cash back, fuel discounts, experiences and travel.