The RiverHills Bank is a charge card from RiverHills Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 25.49% variable (APR applies only if the entire new balance is not paid by the due date; terms accurate as of October 14, 2026, based on a 6.75% Prime Rate) after a No introductory APR introductory rate. Rewards: Unlimited 1x point on every net dollar spent. Loan terms: Pay in full each month; if not paid in full, the variable APR applies.