The Tri Counties Bank is a personal credit card from Tri Counties Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% to 26.99% variable, based on creditworthiness (Prime Rate plus 10.99% to 20.24%; based on 6.75% Prime Rate; disclosure accurate as of October 14, 2026) after a 0% introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Rewards: Unlimited 1% cash back on every purchase, every day.